Purchase Originations
150
Median Total Costs
$7,810
+16.9% vs national ($6,680)
↑ $498 vs prior year
Median Rate
6.490%
+0.0% vs national (6.490%)
↓ 0.010% vs prior year
Median Origination
$1,275
Median Lender Credits
$1,005
Denial Rate
0.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 131 | 6.500% | $7,551 | $1,275 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New Jersey | 117 | 6.490% | $8,077 | #98 |
| Pennsylvania | 29 | 6.375% | $6,959 | — |
| Florida | 4 | 6.688% | $6,150 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,850 | 6.250% | — | 1 | −$3,960 | |
| 2 | $5,311 | 6.625% | — | 1 | −$2,499 | |
| 3 | $5,399 | 6.000% | — | 1 | −$2,411 | |
| 4 | $5,899 | 6.375% | — | 2 | −$1,911 | |
| 5 | $6,169 | 6.250% | — | 4 | −$1,641 | |
| 6 | $6,708 | 6.500% | — | 11 | −$1,102 | |
| 7 | $6,932 | 6.183% | — | 4 | −$878 | |
| 8 | $7,156 | 6.750% | — | 5 | −$654 | |
| 9 | $7,576 | 6.750% | — | 5 | −$234 | |
| 10 | $7,710 | 6.375% | — | 12 | −$100 | |
| 11 | $7,741 | 6.490% | — | 19 | −$69 | |
| 12 | $7,809 | 6.438% | — | 2 | −$1 | |
| 13 | $7,933 | 6.250% | — | 8 | +$123 | |
| 14 | $8,155 | 6.500% | — | 12 | +$345 | |
| 15 | $8,176 | 6.500% | — | 15 | +$366 | |
| 16 | $8,292 | 6.312% | — | 8 | +$482 | |
| 17 | $8,462 | 6.495% | — | 4 | +$652 | |
| 18 | $8,628 | 6.750% | — | 5 | +$818 | |
| 19 | $8,926 | 6.438% | — | 22 | +$1,116 | |
| 20 | $9,637 | 6.500% | — | 3 | +$1,827 |
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 | Pinnacle Mortgage, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $515,000 | $335,000 | +$180,000 (+53.7%) |
| Median total closing costs | $7,810 | $7,127 | +$683 (+9.6%) |
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.