Purchase Originations
363
Median Total Costs
$7,004
+4.8% vs national ($6,680)
↑ $33 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$3,870
Median Lender Credits
$1,566
Denial Rate
5.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 363 | 6.250% | $7,004 | $3,870 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,070 | 6.000% | — | 3 | −$2,934 | |
| 2 | $4,286 | 6.250% | — | 5 | −$2,718 | |
| 3 | $5,071 | 6.125% | — | 6 | −$1,933 | |
| 4 | $5,278 | 6.000% | — | 9 | −$1,726 | |
| 5 | $5,331 | 6.875% | — | 3 | −$1,673 | |
| 6 | $5,697 | 6.375% | — | 2 | −$1,307 | |
| 7 | $5,887 | 6.375% | — | 8 | −$1,117 | |
| 8 | $6,105 | 6.250% | — | 8 | −$899 | |
| 9 | $6,376 | 6.312% | — | 34 | −$628 | |
| 10 | $6,875 | 6.125% | — | 3 | −$129 | |
| 11 | $6,958 | 6.250% | — | 141 | −$46 | |
| 12 | $7,447 | 5.875% | — | 3 | +$443 | |
| 13 | $7,624 | 6.250% | — | 32 | +$620 | |
| 14 | $7,758 | 6.500% | — | 3 | +$754 | |
| 15 | $7,769 | 6.375% | — | 27 | +$765 | |
| 16 | $7,947 | 5.750% | — | 2 | +$943 | |
| 17 | $8,225 | 6.438% | — | 12 | +$1,221 | |
| 18 | $8,952 | 6.250% | — | 36 | +$1,948 | |
| 19 | $9,952 | 6.375% | — | 10 | +$2,948 | |
| 20 | $10,701 | 6.500% | — | 3 | +$3,697 |
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 | Ornl | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $335,000 | $335,000 | +$0 (+0.0%) |
| Median total closing costs | $7,004 | $7,127 | −$123 (−1.7%) |
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.