Purchase Originations
1,448
Ranked #287 nationally
Median Total Costs
$7,886
+18.1% vs national ($6,680)
↑ $227 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,895
Median Lender Credits
$500
Cost Rank (500+ vol.)
#435
among lenders with 500+ originations
Denial Rate
2.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 901 | 6.750% | $6,274 | $1,895 |
| fha | 447 | 6.625% | $14,112 | $3,270 |
| va | 95 | 6.250% | $6,778 | $1,395 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 555 | 6.875% | $12,595 | #83 |
| Illinois | 408 | 6.625% | $5,914 | #59 |
| California | 251 | 6.375% | $9,950 | #128 |
| Indiana | 114 | 6.500% | $3,500 | #122 |
| Wisconsin | 92 | 6.500% | $4,076 | #97 |
| Michigan | 8 | 6.375% | $4,017 | — |
| Arizona | 5 | 6.250% | $5,756 | — |
| South Carolina | 3 | 6.875% | $5,646 | — |
| Texas | 3 | 6.250% | $6,780 | — |
| Virginia | 2 | 6.620% | $8,258 | — |
| Georgia | 1 | 6.875% | $7,167 | — |
| New Jersey | 1 | 5.750% | $7,655 | — |
| Ohio | 1 | 6.125% | $13,256 | — |
| Oklahoma | 1 | 6.875% | $5,766 | — |
| Tennessee | 1 | 6.750% | $4,622 | — |
| Utah | 1 | 6.990% | $4,873 | — |
| Washington | 1 | 5.875% | $18,296 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,509 | 6.624% | — | 38 | −$4,377 | |
| 2 | $3,792 | 6.625% | — | 96 | −$4,094 | |
| 3 | $3,855 | 6.500% | — | 42 | −$4,031 | |
| 4 | $4,044 | 6.500% | — | 25 | −$3,842 | |
| 5 | $4,115 | 6.495% | — | 26 | −$3,771 | |
| 6 | $6,347 | 6.750% | — | 23 | −$1,539 | |
| 7 | $6,352 | 6.750% | — | 43 | −$1,534 | |
| 8 | $6,457 | 6.625% | — | 68 | −$1,429 | |
| 9 | $6,618 | 6.562% | — | 36 | −$1,268 | |
| 10 | $8,575 | 6.375% | — | 56 | +$689 | |
| 11 | $9,596 | 6.933% | — | 52 | +$1,710 | |
| 12 | $10,260 | 6.374% | — | 168 | +$2,374 | |
| 13 | $11,512 | 6.995% | — | 20 | +$3,626 | |
| 14 | $12,194 | 6.625% | — | 29 | +$4,308 | |
| 15 | $12,356 | 6.933% | — | 40 | +$4,470 | |
| 16 | $12,634 | 6.875% | — | 101 | +$4,748 | |
| 17 | $12,907 | 6.250% | — | 19 | +$5,021 | |
| 18 | $14,378 | 7.125% | — | 23 | +$6,492 | |
| 19 | $15,385 | 6.875% | — | 118 | +$7,499 | |
| 20 | $15,759 | 6.875% | — | 74 | +$7,873 |
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 | Point Mortgage Corporation | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $325,000 | $335,000 | −$10,000 (−3.0%) |
| Median total closing costs | $7,886 | $7,127 | +$759 (+10.6%) |
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.