Purchase Originations
334
Median Total Costs
$5,637
−15.6% vs national ($6,680)
↑ $588 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↑ 0.027% vs prior year
Median Origination
$1,665
Median Lender Credits
$141
Denial Rate
1.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 238 | 6.500% | $5,146 | $1,795 |
| fha | 67 | 6.250% | $8,679 | $1,662 |
| va | 22 | 6.125% | $7,283 | $1,662 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Louisiana | 269 | 6.390% | $5,515 | #32 |
| Texas | 40 | 6.188% | $8,151 | — |
| Mississippi | 11 | 6.375% | $5,247 | — |
| Arkansas | 3 | 6.250% | $3,977 | — |
| South Carolina | 3 | 5.625% | $9,376 | — |
| Florida | 2 | 6.375% | $5,282 | — |
| Georgia | 2 | 6.688% | $10,574 | — |
| Alabama | 1 | 6.375% | $5,467 | — |
| Colorado | 1 | 6.625% | $4,671 | — |
| Oklahoma | 1 | 6.250% | $6,601 | — |
| Virginia | 1 | 6.500% | $5,322 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,387 | 6.375% | — | 29 | −$1,250 | |
| 2 | $4,531 | 6.188% | — | 8 | −$1,106 | |
| 3 | $4,909 | 6.125% | — | 12 | −$728 | |
| 4 | $5,247 | 6.625% | — | 5 | −$390 | |
| 5 | $5,506 | 6.500% | — | 49 | −$131 | |
| 6 | $5,537 | 6.375% | — | 29 | −$100 | |
| 7 | $5,624 | 6.390% | — | 71 | −$13 | |
| 8 | $5,819 | 6.500% | — | 12 | +$182 | |
| 9 | $5,835 | 6.390% | — | 9 | +$198 | |
| 10 | $6,108 | 6.000% | — | 4 | +$471 | |
| 11 | $6,151 | 6.390% | — | 3 | +$514 | |
| 12 | $6,712 | 6.250% | — | 4 | +$1,075 | |
| 13 | $6,720 | 6.445% | — | 4 | +$1,083 | |
| 14 | $7,285 | 6.508% | — | 6 | +$1,648 | |
| 15 | $8,110 | 6.625% | — | 2 | +$2,473 | |
| 16 | $8,151 | 6.250% | — | 20 | +$2,514 | |
| 17 | $8,735 | 6.062% | — | 4 | +$3,098 | |
| 18 | $8,910 | 6.062% | — | 4 | +$3,273 | |
| 19 | $9,054 | 6.390% | — | 7 | +$3,417 | |
| 20 | $9,376 | 5.625% | — | 3 | +$3,739 |
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 | Standard Mortgage Corporation | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $265,000 | $335,000 | −$70,000 (−20.9%) |
| Median total closing costs | $5,637 | $7,127 | −$1,490 (−20.9%) |
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.