Purchase Originations
108
Median Total Costs
$18,627
+178.8% vs national ($6,680)
↑ $1,022 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$8,242
Median Lender Credits
$1,500
Denial Rate
18.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 73 | 6.750% | $21,423 | $8,243 |
| conventional | 34 | 7.000% | $13,496 | $8,218 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $8,460 | 6.250% | — | 1 | −$10,167 | |
| 2 | $9,453 | 6.125% | — | 1 | −$9,174 | |
| 3 | $11,100 | 6.562% | — | 2 | −$7,527 | |
| 4 | $11,184 | 6.625% | — | 1 | −$7,443 | |
| 5 | $11,516 | 6.938% | — | 2 | −$7,111 | |
| 6 | $11,738 | 6.500% | — | 1 | −$6,889 | |
| 7 | $12,637 | 7.500% | — | 1 | −$5,990 | |
| 8 | $13,877 | 6.750% | — | 3 | −$4,750 | |
| 9 | $15,131 | 7.000% | — | 1 | −$3,496 | |
| 10 | $16,883 | 6.750% | — | 9 | −$1,744 | |
| 11 | $17,548 | 7.125% | — | 1 | −$1,079 | |
| 12 | $18,558 | 6.750% | — | 1 | −$69 | |
| 13 | $19,735 | 6.933% | — | 12 | +$1,108 | |
| 14 | $21,300 | 6.750% | — | 69 | +$2,673 | |
| 15 | $22,446 | 6.750% | — | 1 | +$3,819 | |
| 16 | $26,079 | 6.750% | — | 1 | +$7,452 | |
| 17 | $29,855 | 7.125% | — | 1 | +$11,228 |
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 | Ready Mortgage Lenders, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $445,000 | $335,000 | +$110,000 (+32.8%) |
| Median total closing costs | $18,627 | $7,127 | +$11,500 (+161.4%) |
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.