Purchase Originations
1,231
Ranked #323 nationally
Median Total Costs
$5,030
−24.7% vs national ($6,680)
↓ $19 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$2,006
Median Lender Credits
$102
Cost Rank (500+ vol.)
#198
among lenders with 500+ originations
Denial Rate
2.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 917 | 6.500% | $4,574 | $2,185 |
| fha | 194 | 6.500% | $7,643 | $1,502 |
| va | 108 | 6.312% | $5,095 | $1,325 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Minnesota | 496 | 6.375% | $5,264 | #31 |
| Wisconsin | 205 | 6.500% | $3,354 | #56 |
| Illinois | 77 | 6.500% | $4,746 | #169 |
| Montana | 57 | 6.500% | $6,261 | #34 |
| Indiana | 49 | 6.625% | $4,882 | — |
| Iowa | 39 | 6.375% | $3,768 | — |
| Ohio | 38 | 6.750% | $7,185 | — |
| Nebraska | 33 | 6.125% | $4,020 | — |
| Florida | 23 | 6.125% | $6,777 | — |
| Oklahoma | 22 | 6.500% | $5,463 | — |
| South Dakota | 21 | 6.125% | $4,991 | — |
| Missouri | 20 | 6.438% | $4,119 | — |
| Maine | 18 | 6.750% | $4,176 | — |
| South Carolina | 16 | 6.562% | $4,995 | — |
| Colorado | 14 | 6.375% | $11,601 | — |
| Kentucky | 13 | 6.625% | $5,672 | — |
| Texas | 13 | 6.500% | $6,999 | — |
| Pennsylvania | 10 | 6.250% | $6,263 | — |
| Michigan | 9 | 6.750% | $4,542 | — |
| North Dakota | 9 | 6.500% | $4,968 | — |
| Arkansas | 6 | 6.562% | $3,641 | — |
| Arizona | 6 | 6.250% | $6,261 | — |
| Georgia | 5 | 6.500% | $6,797 | — |
| Washington | 5 | 6.750% | $5,138 | — |
| Wyoming | 5 | 6.375% | $7,261 | — |
| Alabama | 4 | 5.938% | $4,983 | — |
| Kansas | 4 | 6.188% | $2,540 | — |
| Utah | 3 | 6.125% | $5,586 | — |
| California | 2 | 6.625% | $4,362 | — |
| New Mexico | 2 | 6.250% | $3,348 | — |
| Louisiana | 1 | 7.000% | $5,643 | — |
| Maryland | 1 | 6.500% | $13,642 | — |
| Mississippi | 1 | 7.000% | $2,621 | — |
| North Carolina | 1 | 6.000% | $10,597 | — |
| Nevada | 1 | 7.625% | $6,519 | — |
| Oregon | 1 | 6.375% | $8,142 | — |
| Tennessee | 1 | 7.125% | $2,949 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,730 | 6.375% | — | 15 | −$2,300 | |
| 2 | $2,944 | 6.500% | — | 52 | −$2,086 | |
| 3 | $3,938 | 6.500% | — | 19 | −$1,092 | |
| 4 | $3,955 | 6.125% | — | 12 | −$1,075 | |
| 5 | $4,029 | 6.500% | — | 33 | −$1,001 | |
| 6 | $4,080 | 6.375% | — | 45 | −$950 | |
| 7 | $4,603 | 6.625% | — | 17 | −$427 | |
| 8 | $4,763 | 6.375% | — | 14 | −$267 | |
| 9 | $4,841 | 6.562% | — | 14 | −$189 | |
| 10 | $5,030 | 6.500% | — | 52 | +$0 | |
| 11 | $5,296 | 6.625% | — | 13 | +$266 | |
| 12 | $5,404 | 6.250% | — | 19 | +$374 | |
| 13 | $5,432 | 6.125% | — | 56 | +$402 | |
| 14 | $5,474 | 6.375% | — | 19 | +$444 | |
| 15 | $5,583 | 6.500% | — | 20 | +$553 | |
| 16 | $5,671 | 6.500% | — | 17 | +$641 | |
| 17 | $6,071 | 6.250% | — | 15 | +$1,041 | |
| 18 | $6,098 | 6.375% | — | 21 | +$1,068 | |
| 19 | $6,251 | 6.500% | — | 28 | +$1,221 | |
| 20 | $8,163 | 6.750% | — | 14 | +$3,133 |
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 | Servion, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $225,000 | $335,000 | −$110,000 (−32.8%) |
| Median total closing costs | $5,030 | $7,127 | −$2,097 (−29.4%) |
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.