Purchase Originations
1,989
Ranked #224 nationally
Median Total Costs
$9,132
+36.7% vs national ($6,680)
↓ $403 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$3,812
Median Lender Credits
$3,550
Cost Rank (500+ vol.)
#509
among lenders with 500+ originations
Denial Rate
0.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,825 | 6.750% | $8,656 | $4,053 |
| fha | 164 | 6.000% | $17,077 | $2,150 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 1,211 | 6.625% | $9,416 | #33 |
| Texas | 134 | 6.625% | $8,787 | #245 |
| Colorado | 109 | 6.500% | $7,285 | #103 |
| Georgia | 93 | 6.625% | $9,776 | #148 |
| Florida | 59 | 6.875% | $9,471 | #301 |
| Washington | 53 | 6.500% | $9,909 | #147 |
| Illinois | 49 | 6.875% | $7,201 | — |
| New Jersey | 42 | 6.438% | $13,441 | — |
| Virginia | 40 | 6.625% | $10,036 | — |
| Maryland | 36 | 6.625% | $9,061 | — |
| Arizona | 25 | 6.875% | $8,522 | — |
| Oregon | 24 | 6.625% | $5,791 | — |
| Tennessee | 24 | 6.750% | $6,423 | — |
| North Carolina | 20 | 6.625% | $6,888 | — |
| Utah | 16 | 6.562% | $10,467 | — |
| Nevada | 12 | 6.688% | $6,977 | — |
| Michigan | 9 | 6.625% | $4,787 | — |
| Connecticut | 5 | 6.500% | $5,339 | — |
| South Carolina | 5 | 6.875% | $12,335 | — |
| Hawaii | 4 | 7.062% | $12,978 | — |
| Ohio | 4 | 6.625% | $8,580 | — |
| Pennsylvania | 4 | 6.562% | $10,751 | — |
| Alabama | 3 | 6.750% | $9,909 | — |
| Idaho | 3 | 6.125% | $10,470 | — |
| Minnesota | 2 | 6.438% | $6,509 | — |
| District of Columbia | 1 | 6.750% | $14,161 | — |
| Kansas | 1 | 6.000% | $8,579 | — |
| Louisiana | 1 | 6.500% | $7,311 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,907 | 6.875% | — | 74 | −$3,225 | |
| 2 | $7,119 | 6.500% | — | 19 | −$2,013 | |
| 3 | $7,201 | 6.875% | — | 35 | −$1,931 | |
| 4 | $7,366 | 6.625% | — | 32 | −$1,766 | |
| 5 | $7,525 | 6.375% | — | 15 | −$1,607 | |
| 6 | $8,199 | 6.250% | — | 21 | −$933 | |
| 7 | $8,652 | 6.625% | — | 54 | −$480 | |
| 8 | $8,751 | 6.625% | — | 72 | −$381 | |
| 9 | $9,133 | 6.500% | — | 116 | +$1 | |
| 10 | $9,389 | 6.625% | — | 18 | +$257 | |
| 11 | $9,478 | 6.625% | — | 51 | +$346 | |
| 12 | $9,486 | 6.625% | — | 55 | +$354 | |
| 13 | $9,501 | 6.812% | — | 20 | +$369 | |
| 14 | $9,508 | 6.750% | — | 318 | +$376 | |
| 15 | $10,343 | 6.500% | — | 33 | +$1,211 | |
| 16 | $10,831 | 6.375% | — | 17 | +$1,699 | |
| 17 | $10,906 | 6.875% | — | 255 | +$1,774 | |
| 18 | $11,011 | 6.500% | — | 111 | +$1,879 | |
| 19 | $11,744 | 6.562% | — | 22 | +$2,612 | |
| 20 | $14,581 | 6.750% | — | 15 | +$5,449 |
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 | Nmsi, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $565,000 | $335,000 | +$230,000 (+68.7%) |
| Median total closing costs | $9,132 | $7,127 | +$2,005 (+28.1%) |
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.