Purchase Originations
219
Median Total Costs
$11,943
+78.8% vs national ($6,680)
↑ $633 vs prior year
Median Rate
5.625%
−13.3% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$4,863
Median Lender Credits
$100
Denial Rate
1.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 135 | 5.625% | $13,259 | $5,364 |
| va | 60 | 5.625% | $7,484 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 219 | 5.625% | $11,943 | #194 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,097 | 5.750% | — | 1 | −$8,846 | |
| 2 | $7,851 | 7.500% | — | 1 | −$4,092 | |
| 3 | $11,943 | 5.625% | — | 215 | +$0 | |
| 4 | $13,688 | 6.750% | — | 1 | +$1,745 | |
| 5 | $14,016 | 5.625% | — | 1 | +$2,073 |
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 | Patriot Mortgage Company | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $275,000 | $335,000 | −$60,000 (−17.9%) |
| Median total closing costs | $11,943 | $7,127 | +$4,816 (+67.6%) |
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.