Purchase Originations
4,609
Ranked #106 nationally
Median Total Costs
$4,247
−36.4% vs national ($6,680)
↑ $207 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,450
Median Lender Credits
$1,000
Cost Rank (500+ vol.)
#131
among lenders with 500+ originations
Denial Rate
2.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 3,672 | 6.625% | $4,142 | $1,450 |
| fha | 694 | 6.375% | $6,413 | $1,335 |
| va | 219 | 6.375% | $4,101 | $0 |
| usda | 24 | 6.375% | $3,108 | $372 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 4,537 | 6.625% | $4,234 | #3 |
| Florida | 48 | 6.500% | $6,676 | — |
| Ohio | 7 | 6.500% | $5,024 | — |
| South Carolina | 6 | 6.750% | $4,829 | — |
| Texas | 4 | 6.625% | $9,378 | — |
| Pennsylvania | 3 | 6.625% | $6,601 | — |
| Massachusetts | 2 | 6.875% | $9,969 | — |
| New Jersey | 1 | 6.250% | $8,345 | — |
| Vermont | 1 | 6.125% | $4,999 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,619 | 6.500% | — | 71 | −$628 | |
| 2 | $3,655 | 6.562% | — | 18 | −$592 | |
| 3 | $3,732 | 6.624% | — | 106 | −$515 | |
| 4 | $3,753 | 6.500% | — | 18 | −$494 | |
| 5 | $3,755 | 6.500% | — | 98 | −$492 | |
| 6 | $3,845 | 6.500% | — | 79 | −$402 | |
| 7 | $3,845 | 6.625% | — | 21 | −$402 | |
| 8 | $4,098 | 6.625% | — | 1,717 | −$149 | |
| 9 | $4,148 | 6.624% | — | 190 | −$99 | |
| 10 | $4,154 | 6.500% | — | 24 | −$93 | |
| 11 | $4,184 | 6.500% | — | 271 | −$63 | |
| 12 | $4,335 | 6.490% | — | 92 | +$88 | |
| 13 | $4,367 | 6.625% | — | 1,019 | +$120 | |
| 14 | $4,440 | 6.624% | — | 187 | +$193 | |
| 15 | $4,508 | 6.500% | — | 151 | +$261 | |
| 16 | $5,077 | 6.500% | — | 50 | +$830 | |
| 17 | $5,082 | 6.438% | — | 18 | +$835 | |
| 18 | $5,189 | 6.688% | — | 80 | +$942 | |
| 19 | $5,200 | 6.500% | — | 61 | +$953 | |
| 20 | $5,289 | 6.490% | — | 74 | +$1,042 |
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 | Premium Mortgage Corporation | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $245,000 | $335,000 | −$90,000 (−26.9%) |
| Median total closing costs | $4,247 | $7,127 | −$2,880 (−40.4%) |
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.