Purchase Originations
230
Median Total Costs
$6,393
−4.3% vs national ($6,680)
↓ $230 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$2,190
Median Lender Credits
$1,000
Denial Rate
1.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 196 | 6.875% | $6,248 | $2,190 |
| fha | 28 | 6.500% | $12,143 | $2,613 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 5.250% | — | 1 | −$6,393 | |
| 2 | $3,220 | 6.625% | — | 2 | −$3,173 | |
| 3 | $3,817 | 6.625% | — | 1 | −$2,576 | |
| 4 | $4,282 | 7.000% | — | 2 | −$2,111 | |
| 5 | $5,060 | 6.562% | — | 8 | −$1,333 | |
| 6 | $5,893 | 6.875% | — | 4 | −$500 | |
| 7 | $5,963 | 6.125% | — | 1 | −$430 | |
| 8 | $5,981 | 6.750% | — | 8 | −$412 | |
| 9 | $6,238 | 6.625% | — | 23 | −$155 | |
| 10 | $6,508 | 6.750% | — | 104 | +$115 | |
| 11 | $6,562 | 6.812% | — | 42 | +$169 | |
| 12 | $6,641 | 7.000% | — | 1 | +$248 | |
| 13 | $6,660 | 7.000% | — | 2 | +$267 | |
| 14 | $6,675 | 6.938% | — | 4 | +$282 | |
| 15 | $6,715 | 6.375% | — | 2 | +$322 | |
| 16 | $8,743 | 6.500% | — | 9 | +$2,350 | |
| 17 | $9,254 | 6.500% | — | 3 | +$2,861 | |
| 18 | $9,499 | 6.562% | — | 2 | +$3,106 | |
| 19 | $9,940 | 6.562% | — | 2 | +$3,547 | |
| 20 | $16,360 | 5.688% | — | 2 | +$9,967 |
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 | Pacor Mortgage Corp. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $305,000 | $335,000 | −$30,000 (−9.0%) |
| Median total closing costs | $6,393 | $7,127 | −$734 (−10.3%) |
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.