Purchase Originations
383
Median Total Costs
$4,464
−33.2% vs national ($6,680)
↑ $361 vs prior year
Median Rate
6.000%
−7.5% vs national (6.490%)
↓ 0.875% vs prior year
Median Origination
$101
Median Lender Credits
$765
Denial Rate
8.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 281 | 6.125% | $4,008 | $101 |
| fha | 81 | 5.624% | $9,611 | $101 |
| va | 21 | 6.124% | $5,003 | $1 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 383 | 6.000% | $4,464 | #107 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,855 | 6.875% | — | 3 | −$1,609 | |
| 2 | $4,188 | 6.625% | — | 27 | −$276 | |
| 3 | $4,364 | 6.000% | — | 182 | −$100 | |
| 4 | $4,510 | 5.625% | — | 5 | +$46 | |
| 5 | $4,785 | 5.625% | — | 166 | +$321 |
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 | Neal Communities Funding, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $365,000 | $335,000 | +$30,000 (+9.0%) |
| Median total closing costs | $4,464 | $7,127 | −$2,663 (−37.4%) |
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.