Purchase Originations
1,697
Ranked #260 nationally
Median Total Costs
$14,545
+117.7% vs national ($6,680)
↓ $704 vs prior year
Median Rate
7.250%
+11.7% vs national (6.490%)
↓ 0.500% vs prior year
Median Origination
$9,865
Median Lender Credits
$3,434
Cost Rank (500+ vol.)
#604
among lenders with 500+ originations
Denial Rate
5.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,695 | 7.250% | $14,545 | $9,870 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 524 | 7.125% | $16,356 | #74 |
| Florida | 242 | 7.500% | $14,637 | #143 |
| Texas | 208 | 7.250% | $14,600 | #202 |
| Arizona | 102 | 7.250% | $14,553 | #102 |
| Georgia | 65 | 7.375% | $13,809 | #177 |
| Washington | 61 | 7.000% | $13,983 | #141 |
| Colorado | 47 | 7.125% | $12,132 | — |
| Illinois | 39 | 7.625% | $14,547 | — |
| Utah | 37 | 6.875% | $16,565 | — |
| New Jersey | 35 | 7.250% | $17,704 | — |
| North Carolina | 34 | 7.750% | $11,361 | — |
| Oregon | 34 | 7.188% | $15,093 | — |
| South Carolina | 27 | 7.375% | $11,243 | — |
| Hawaii | 25 | 6.875% | $15,027 | — |
| Nevada | 22 | 7.062% | $14,618 | — |
| Pennsylvania | 22 | 7.562% | $12,371 | — |
| Tennessee | 20 | 7.250% | $11,911 | — |
| Ohio | 17 | 7.375% | $11,659 | — |
| Michigan | 16 | 7.625% | $11,486 | — |
| Virginia | 14 | 6.938% | $13,604 | — |
| Indiana | 12 | 6.875% | $9,090 | — |
| Connecticut | 11 | 7.250% | $13,428 | — |
| Maryland | 11 | 8.250% | $18,374 | — |
| Minnesota | 9 | 7.250% | $10,288 | — |
| Missouri | 8 | 7.125% | $8,490 | — |
| Louisiana | 7 | 7.875% | $11,145 | — |
| Wisconsin | 7 | 7.500% | $8,998 | — |
| Kentucky | 6 | 7.750% | $10,566 | — |
| Montana | 5 | 6.750% | $11,947 | — |
| Arkansas | 4 | 7.312% | $7,919 | — |
| Idaho | 4 | 7.312% | $11,338 | — |
| Rhode Island | 4 | 7.750% | $13,957 | — |
| Alabama | 3 | 7.250% | $7,355 | — |
| Oklahoma | 3 | 8.375% | $10,612 | — |
| Delaware | 2 | 6.812% | $17,191 | — |
| Kansas | 2 | 6.938% | $11,080 | — |
| Vermont | 2 | 8.438% | $15,710 | — |
| Alaska | 1 | 7.875% | $13,833 | — |
| District of Columbia | 1 | 9.250% | $7,831 | — |
| Iowa | 1 | 7.625% | $9,879 | — |
| North Dakota | 1 | 9.250% | $8,127 | — |
| New Mexico | 1 | 6.875% | $15,423 | — |
| West Virginia | 1 | 6.750% | $7,276 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,051 | 7.125% | — | 15 | −$8,494 | |
| 2 | $12,418 | 7.312% | — | 18 | −$2,127 | |
| 3 | $12,842 | 7.062% | — | 24 | −$1,703 | |
| 4 | $14,438 | 7.062% | — | 22 | −$107 | |
| 5 | $14,494 | 7.375% | — | 24 | −$51 | |
| 6 | $14,618 | 7.188% | — | 18 | +$73 | |
| 7 | $14,633 | 7.375% | — | 25 | +$88 | |
| 8 | $14,923 | 7.875% | — | 15 | +$378 | |
| 9 | $15,001 | 7.125% | — | 83 | +$456 | |
| 10 | $15,015 | 7.250% | — | 39 | +$470 | |
| 11 | $15,248 | 7.250% | — | 15 | +$703 | |
| 12 | $15,820 | 7.250% | — | 22 | +$1,275 | |
| 13 | $15,983 | 7.312% | — | 34 | +$1,438 | |
| 14 | $16,475 | 6.750% | — | 27 | +$1,930 | |
| 15 | $16,910 | 7.375% | — | 27 | +$2,365 | |
| 16 | $19,674 | 7.375% | — | 46 | +$5,129 | |
| 17 | $20,161 | 7.125% | — | 125 | +$5,616 | |
| 18 | $20,704 | 7.062% | — | 72 | +$6,159 | |
| 19 | $20,884 | 7.062% | — | 48 | +$6,339 | |
| 20 | $21,044 | 7.000% | — | 15 | +$6,499 |
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 | Nexera Holding LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $565,000 | $335,000 | +$230,000 (+68.7%) |
| Median total closing costs | $14,545 | $7,127 | +$7,418 (+104.1%) |
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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.