Purchase Originations
1,155
Ranked #339 nationally
Median Total Costs
$750
−88.8% vs national ($6,680)
↑ $148 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$0
Median Lender Credits
$40
Cost Rank (500+ vol.)
#6
among lenders with 500+ originations
Denial Rate
1.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,005 | 6.625% | $225 | $0 |
| va | 78 | 6.500% | $4,026 | $0 |
| fha | 72 | 6.688% | $7,055 | $11 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 121 | 6.500% | $2,882 | #259 |
| Tennessee | 90 | 6.438% | $0 | #136 |
| North Carolina | 65 | 6.500% | $0 | #182 |
| Georgia | 50 | 6.688% | $0 | #205 |
| Indiana | 50 | 6.812% | $501 | #173 |
| Florida | 49 | 6.500% | $2,375 | — |
| Minnesota | 46 | 6.625% | $0 | — |
| Virginia | 45 | 6.625% | $1,727 | — |
| Illinois | 44 | 6.625% | $361 | — |
| Ohio | 43 | 6.750% | $1,722 | — |
| California | 36 | 6.500% | $0 | — |
| Missouri | 35 | 6.625% | $584 | — |
| Alabama | 32 | 6.312% | $12 | — |
| Michigan | 31 | 6.625% | $2,175 | — |
| South Carolina | 31 | 6.625% | $1,303 | — |
| Colorado | 28 | 6.562% | $102 | — |
| Arizona | 26 | 6.500% | $1,171 | — |
| Mississippi | 20 | 6.562% | $0 | — |
| Pennsylvania | 20 | 6.625% | $0 | — |
| Wisconsin | 19 | 6.625% | $1,114 | — |
| Arkansas | 18 | 6.562% | $302 | — |
| Washington | 18 | 6.875% | $0 | — |
| New Jersey | 17 | 6.625% | $0 | — |
| Nevada | 17 | 6.750% | $1,759 | — |
| Oklahoma | 17 | 6.500% | $1,940 | — |
| Kansas | 16 | 6.625% | $1,429 | — |
| New Mexico | 15 | 6.750% | $1,875 | — |
| New York | 15 | 6.875% | $107 | — |
| Kentucky | 14 | 6.562% | $2,304 | — |
| Louisiana | 14 | 6.625% | $0 | — |
| Oregon | 14 | 6.875% | $1,397 | — |
| Iowa | 13 | 6.500% | $0 | — |
| Massachusetts | 12 | 6.375% | $0 | — |
| Utah | 12 | 6.688% | $0 | — |
| Nebraska | 10 | 6.875% | $7 | — |
| Idaho | 9 | 6.625% | $2,488 | — |
| New Hampshire | 6 | 6.562% | $0 | — |
| Alaska | 5 | 6.500% | $2,877 | — |
| Maryland | 5 | 6.625% | $5,822 | — |
| Delaware | 4 | 6.688% | $0 | — |
| North Dakota | 4 | 6.438% | $4,983 | — |
| Rhode Island | 4 | 6.250% | $0 | — |
| Wyoming | 4 | 6.562% | $1,147 | — |
| Connecticut | 3 | 6.625% | $3,575 | — |
| Maine | 3 | 6.875% | $4,748 | — |
| South Dakota | 3 | 6.875% | $6,981 | — |
| West Virginia | 2 | 6.562% | $279 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 6.375% | — | 22 | −$750 | |
| 2 | $0 | 6.250% | — | 16 | −$750 | |
| 3 | $0 | 6.625% | — | 15 | −$750 | |
| 4 | $0 | 6.125% | — | 15 | −$750 | |
| 5 | $0 | 6.500% | — | 13 | −$750 | |
| 6 | $0 | 6.625% | — | 13 | −$750 | |
| 7 | $0 | 6.500% | — | 11 | −$750 | |
| 8 | $0 | 6.812% | — | 8 | −$750 | |
| 9 | $6 | 6.250% | — | 9 | −$744 | |
| 10 | $245 | 6.875% | — | 8 | −$505 | |
| 11 | $836 | 6.438% | — | 10 | +$86 | |
| 12 | $1,165 | 6.495% | — | 18 | +$415 | |
| 13 | $1,290 | 6.875% | — | 11 | +$540 | |
| 14 | $1,853 | 6.750% | — | 16 | +$1,103 | |
| 15 | $1,875 | 6.875% | — | 9 | +$1,125 | |
| 16 | $2,589 | 6.500% | — | 11 | +$1,839 | |
| 17 | $3,330 | 6.562% | — | 14 | +$2,580 | |
| 18 | $3,412 | 6.500% | — | 17 | +$2,662 | |
| 19 | $3,519 | 6.438% | — | 10 | +$2,769 | |
| 20 | $3,557 | 6.375% | — | 9 | +$2,807 |
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 | Sirva Mortgage, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $415,000 | $335,000 | +$80,000 (+23.9%) |
| Median total closing costs | $750 | $7,127 | −$6,377 (−89.5%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
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.