Purchase Originations
353
Median Total Costs
$8,035
+20.3% vs national ($6,680)
↓ $390 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.124% vs prior year
Median Origination
$2,290
Median Lender Credits
$600
Denial Rate
34.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 274 | 6.624% | $7,393 | $2,290 |
| fha | 67 | 6.250% | $15,260 | $2,290 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 219 | 6.500% | $8,489 | #142 |
| Arizona | 39 | 6.250% | $7,558 | — |
| Nevada | 15 | 6.875% | $6,046 | — |
| Texas | 15 | 6.500% | $6,292 | — |
| Tennessee | 10 | 6.808% | $9,599 | — |
| Florida | 8 | 7.312% | $11,182 | — |
| Illinois | 7 | 6.750% | $8,096 | — |
| Indiana | 7 | 6.490% | $7,448 | — |
| Washington | 6 | 6.562% | $5,855 | — |
| Oregon | 5 | 6.750% | $3,996 | — |
| Colorado | 3 | 6.625% | $6,481 | — |
| Virginia | 3 | 6.490% | $4,431 | — |
| Idaho | 2 | 6.808% | $6,672 | — |
| Michigan | 2 | 6.687% | $3,602 | — |
| North Carolina | 2 | 6.812% | $11,863 | — |
| New Jersey | 2 | 6.875% | $5,631 | — |
| Pennsylvania | 2 | 6.750% | $5,190 | — |
| Alabama | 1 | 7.000% | $4,802 | — |
| Georgia | 1 | 8.749% | $8,564 | — |
| Maryland | 1 | 6.990% | $5,909 | — |
| Minnesota | 1 | 5.875% | $4,001 | — |
| Mississippi | 1 | 6.750% | $9,940 | — |
| South Carolina | 1 | 5.875% | $3,755 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,737 | 6.125% | — | 2 | −$3,298 | |
| 2 | $4,900 | 5.875% | — | 10 | −$3,135 | |
| 3 | $5,862 | 7.375% | — | 2 | −$2,173 | |
| 4 | $6,142 | 6.125% | — | 3 | −$1,893 | |
| 5 | $6,292 | 6.875% | — | 3 | −$1,743 | |
| 6 | $6,444 | 6.933% | — | 14 | −$1,591 | |
| 7 | $7,390 | 6.500% | — | 3 | −$645 | |
| 8 | $7,514 | 6.000% | — | 7 | −$521 | |
| 9 | $7,569 | 6.250% | — | 33 | −$466 | |
| 10 | $7,691 | 6.812% | — | 6 | −$344 | |
| 11 | $8,129 | 6.625% | — | 68 | +$94 | |
| 12 | $8,712 | 6.750% | — | 36 | +$677 | |
| 13 | $9,226 | 6.250% | — | 13 | +$1,191 | |
| 14 | $9,620 | 6.375% | — | 2 | +$1,585 | |
| 15 | $9,749 | 6.000% | — | 4 | +$1,714 | |
| 16 | $11,057 | 6.500% | — | 20 | +$3,022 | |
| 17 | $11,896 | 6.750% | — | 2 | +$3,861 | |
| 18 | $13,058 | 6.250% | — | 40 | +$5,023 | |
| 19 | $14,881 | 6.500% | — | 3 | +$6,846 | |
| 20 | $18,855 | 7.375% | — | 2 | +$10,820 |
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 | Ony Glo, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $525,000 | $335,000 | +$190,000 (+56.7%) |
| Median total closing costs | $8,035 | $7,127 | +$908 (+12.7%) |
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.