Purchase Originations
417
Median Total Costs
$5,983
−10.4% vs national ($6,680)
↑ $542 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$2,815
Median Lender Credits
$3,078
Denial Rate
1.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 401 | 6.500% | $5,976 | $3,066 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Vermont | 350 | 6.375% | $5,782 | #4 |
| New Hampshire | 23 | 6.750% | $6,418 | — |
| Maine | 20 | 6.875% | $9,370 | — |
| Massachusetts | 18 | 6.490% | $9,270 | — |
| Connecticut | 6 | 6.438% | $9,164 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,159 | 6.500% | — | 16 | −$1,824 | |
| 2 | $4,296 | 6.625% | — | 5 | −$1,687 | |
| 3 | $4,500 | 6.500% | — | 3 | −$1,483 | |
| 4 | $4,762 | 6.250% | — | 7 | −$1,221 | |
| 5 | $4,803 | 6.375% | — | 55 | −$1,180 | |
| 6 | $4,948 | 6.250% | — | 25 | −$1,035 | |
| 7 | $5,097 | 6.558% | — | 4 | −$886 | |
| 8 | $5,324 | 6.938% | — | 10 | −$659 | |
| 9 | $5,602 | 6.000% | — | 9 | −$381 | |
| 10 | $5,634 | 6.562% | — | 16 | −$349 | |
| 11 | $5,760 | 6.188% | — | 4 | −$223 | |
| 12 | $5,780 | 6.375% | — | 10 | −$203 | |
| 13 | $6,816 | 6.375% | — | 187 | +$833 | |
| 14 | $8,117 | 6.875% | — | 7 | +$2,134 | |
| 15 | $8,548 | 6.500% | — | 10 | +$2,565 | |
| 16 | $10,653 | 6.625% | — | 5 | +$4,670 | |
| 17 | $10,769 | 7.370% | — | 4 | +$4,786 | |
| 18 | $11,572 | 7.312% | — | 6 | +$5,589 | |
| 19 | $13,032 | 6.375% | — | 4 | +$7,049 | |
| 20 | $14,217 | 6.500% | — | 5 | +$8,234 |
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 | Northeast Home Loan, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $365,000 | $335,000 | +$30,000 (+9.0%) |
| Median total closing costs | $5,983 | $7,127 | −$1,144 (−16.1%) |
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.