Purchase Originations
6,653
Ranked #69 nationally
Median Total Costs
$8,586
+28.5% vs national ($6,680)
↑ $628 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$3,478
Median Lender Credits
$176
Cost Rank (500+ vol.)
#477
among lenders with 500+ originations
Denial Rate
4.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 3,403 | 6.625% | $6,777 | $3,691 |
| fha | 2,412 | 6.625% | $12,063 | $3,815 |
| va | 681 | 6.375% | $6,303 | $1,195 |
| usda | 157 | 6.500% | $6,872 | $2,826 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Maryland | 1,068 | 6.625% | $9,148 | #10 |
| New Mexico | 676 | 6.500% | $7,478 | #4 |
| Florida | 443 | 6.625% | $11,026 | #100 |
| Rhode Island | 389 | 6.500% | $15,707 | #3 |
| Texas | 349 | 6.625% | $9,155 | #144 |
| North Carolina | 337 | 6.625% | $7,406 | #72 |
| Colorado | 253 | 6.500% | $9,956 | #63 |
| Utah | 248 | 6.500% | $9,089 | #30 |
| Pennsylvania | 222 | 6.625% | $8,265 | #101 |
| California | 215 | 6.625% | $13,125 | #145 |
| Tennessee | 202 | 6.500% | $6,051 | #76 |
| Kansas | 182 | 6.750% | $4,967 | #41 |
| Louisiana | 168 | 6.625% | $6,554 | #41 |
| Connecticut | 151 | 6.750% | $9,084 | #39 |
| Arkansas | 131 | 6.875% | $6,938 | #58 |
| Delaware | 131 | 6.375% | $9,873 | #24 |
| South Carolina | 131 | 6.500% | $8,015 | #104 |
| Ohio | 120 | 6.625% | $6,963 | #120 |
| Kentucky | 102 | 6.625% | $9,037 | #87 |
| Georgia | 101 | 6.625% | $10,263 | #142 |
| Wisconsin | 101 | 6.625% | $9,208 | #93 |
| Massachusetts | 92 | 6.875% | $8,627 | #93 |
| Washington | 88 | 6.625% | $8,127 | #116 |
| Nevada | 87 | 6.625% | $9,984 | #67 |
| Minnesota | 82 | 6.500% | $7,345 | #103 |
| Alaska | 80 | 6.375% | $9,574 | #15 |
| Indiana | 61 | 6.625% | $6,505 | #159 |
| Oregon | 59 | 6.500% | $7,849 | #93 |
| Maine | 48 | 6.750% | $7,808 | — |
| Wyoming | 38 | 6.625% | $8,949 | — |
| Virginia | 34 | 6.500% | $6,257 | — |
| Arizona | 33 | 6.625% | $10,721 | — |
| Idaho | 26 | 6.500% | $14,101 | — |
| Hawaii | 25 | 6.250% | $6,502 | — |
| Alabama | 21 | 6.625% | $7,592 | — |
| New Jersey | 19 | 6.875% | $8,642 | — |
| South Dakota | 19 | 6.375% | $5,422 | — |
| Missouri | 17 | 6.625% | $7,174 | — |
| Oklahoma | 15 | 6.750% | $6,000 | — |
| New Hampshire | 14 | 6.688% | $9,882 | — |
| Michigan | 13 | 6.625% | $6,588 | — |
| Illinois | 12 | 6.500% | $6,964 | — |
| West Virginia | 11 | 6.500% | $9,764 | — |
| Nebraska | 10 | 6.812% | $5,624 | — |
| District of Columbia | 7 | 6.875% | $13,151 | — |
| North Dakota | 6 | 6.750% | $7,748 | — |
| Vermont | 6 | 6.990% | $7,337 | — |
| Mississippi | 4 | 6.625% | $6,757 | — |
| Iowa | 3 | 6.500% | $5,256 | — |
| Montana | 3 | 6.750% | $5,319 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,246 | 6.625% | — | 88 | −$3,340 | |
| 2 | $6,011 | 6.625% | — | 61 | −$2,575 | |
| 3 | $7,328 | 6.625% | — | 56 | −$1,258 | |
| 4 | $7,378 | 6.625% | — | 313 | −$1,208 | |
| 5 | $7,671 | 6.500% | — | 120 | −$915 | |
| 6 | $8,141 | 6.625% | — | 222 | −$445 | |
| 7 | $8,593 | 6.625% | — | 125 | +$7 | |
| 8 | $8,831 | 6.625% | — | 278 | +$245 | |
| 9 | $8,881 | 6.250% | — | 83 | +$295 | |
| 10 | $9,211 | 6.125% | — | 53 | +$625 | |
| 11 | $9,712 | 6.625% | — | 107 | +$1,126 | |
| 12 | $9,731 | 6.750% | — | 81 | +$1,145 | |
| 13 | $9,834 | 6.750% | — | 69 | +$1,248 | |
| 14 | $9,960 | 6.625% | — | 152 | +$1,374 | |
| 15 | $9,968 | 6.375% | — | 74 | +$1,382 | |
| 16 | $10,206 | 6.625% | — | 76 | +$1,620 | |
| 17 | $10,234 | 6.688% | — | 60 | +$1,648 | |
| 18 | $12,068 | 6.375% | — | 60 | +$3,482 | |
| 19 | $14,713 | 6.500% | — | 86 | +$6,127 | |
| 20 | $16,465 | 6.500% | — | 284 | +$7,879 |
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 | Primary Residential Mortgage, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $315,000 | $335,000 | −$20,000 (−6.0%) |
| Median total closing costs | $8,586 | $7,127 | +$1,459 (+20.5%) |
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.