Purchase Originations
3,702
Ranked #139 nationally
Median Total Costs
$9,252
+38.5% vs national ($6,680)
↓ $760 vs prior year
Median Rate
6.490%
+0.0% vs national (6.490%)
↓ 0.135% vs prior year
Median Origination
$3,215
Median Lender Credits
$2,542
Cost Rank (500+ vol.)
#515
among lenders with 500+ originations
Denial Rate
5.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,318 | 6.625% | $7,085 | $3,548 |
| fha | 977 | 6.250% | $13,482 | $3,111 |
| va | 407 | 6.250% | $8,692 | $2,627 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Oregon | 1,090 | 6.490% | $8,497 | #6 |
| Pennsylvania | 448 | 6.500% | $10,770 | #49 |
| California | 353 | 6.490% | $12,712 | #106 |
| Washington | 293 | 6.375% | $8,524 | #47 |
| Florida | 143 | 6.490% | $12,181 | #192 |
| Texas | 138 | 6.375% | $8,332 | #244 |
| Illinois | 123 | 6.750% | $6,450 | #132 |
| Ohio | 118 | 6.500% | $6,457 | #124 |
| Virginia | 118 | 6.375% | $10,688 | #117 |
| Massachusetts | 106 | 6.370% | $5,029 | #87 |
| New Jersey | 104 | 6.490% | $11,071 | #109 |
| Missouri | 90 | 6.625% | $3,855 | #102 |
| Georgia | 86 | 6.688% | $9,788 | #151 |
| Maryland | 72 | 6.500% | $12,940 | #117 |
| Arizona | 55 | 6.500% | $8,601 | #132 |
| South Carolina | 47 | 6.500% | $7,480 | — |
| Connecticut | 44 | 6.683% | $8,630 | — |
| Louisiana | 32 | 6.428% | $9,753 | — |
| Idaho | 30 | 6.250% | $7,999 | — |
| Alabama | 29 | 6.500% | $9,119 | — |
| Rhode Island | 24 | 6.495% | $11,470 | — |
| Tennessee | 22 | 6.370% | $9,406 | — |
| North Carolina | 20 | 6.990% | $10,612 | — |
| Michigan | 18 | 7.053% | $6,954 | — |
| Nevada | 15 | 6.990% | $21,656 | — |
| Kentucky | 13 | 6.250% | $8,489 | — |
| Delaware | 12 | 6.812% | $9,216 | — |
| Minnesota | 11 | 6.990% | $8,711 | — |
| New Hampshire | 11 | 6.500% | $4,292 | — |
| Colorado | 9 | 5.990% | $13,187 | — |
| Indiana | 9 | 6.750% | $5,376 | — |
| Wisconsin | 7 | 6.750% | $7,982 | — |
| Utah | 4 | 6.495% | $12,015 | — |
| District of Columbia | 3 | 6.750% | $23,557 | — |
| Kansas | 2 | 6.558% | $3,978 | — |
| Montana | 2 | 5.495% | $22,991 | — |
| New Mexico | 1 | 8.250% | $7,829 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,188 | 6.375% | — | 41 | −$5,064 | |
| 2 | $6,761 | 6.870% | — | 52 | −$2,491 | |
| 3 | $6,780 | 6.433% | — | 50 | −$2,472 | |
| 4 | $7,068 | 6.375% | — | 45 | −$2,184 | |
| 5 | $7,361 | 6.615% | — | 36 | −$1,891 | |
| 6 | $7,844 | 6.490% | — | 122 | −$1,408 | |
| 7 | $7,894 | 6.500% | — | 171 | −$1,358 | |
| 8 | $7,912 | 6.490% | — | 192 | −$1,340 | |
| 9 | $8,030 | 6.490% | — | 293 | −$1,222 | |
| 10 | $8,390 | 6.438% | — | 38 | −$862 | |
| 11 | $10,743 | 6.308% | — | 120 | +$1,491 | |
| 12 | $10,924 | 6.500% | — | 64 | +$1,672 | |
| 13 | $11,189 | 6.500% | — | 85 | +$1,937 | |
| 14 | $11,684 | 6.500% | — | 65 | +$2,432 | |
| 15 | $12,589 | 6.365% | — | 53 | +$3,337 | |
| 16 | $12,838 | 6.625% | — | 36 | +$3,586 | |
| 17 | $12,856 | 6.625% | — | 37 | +$3,604 | |
| 18 | $13,033 | 6.490% | — | 46 | +$3,781 | |
| 19 | $15,484 | 6.370% | — | 36 | +$6,232 | |
| 20 | $16,475 | 6.500% | — | 83 | +$7,223 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Nations Direct Mortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $395,000 | $335,000 | +$60,000 (+17.9%) |
| Median total closing costs | $9,252 | $7,127 | +$2,125 (+29.8%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.