Purchase Originations
465
Median Total Costs
$5,429
−18.7% vs national ($6,680)
↓ $282 vs prior year
Median Rate
6.490%
+0.0% vs national (6.490%)
↓ 0.010% vs prior year
Median Origination
$1,535
Median Lender Credits
$400
Denial Rate
2.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 298 | 6.624% | $4,509 | $1,535 |
| fha | 107 | 6.125% | $11,621 | $1,535 |
| va | 49 | 6.125% | $10,406 | $1,535 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Utah | 226 | 6.490% | $5,154 | #34 |
| Arizona | 168 | 6.500% | $5,546 | #74 |
| New Mexico | 54 | 5.688% | $4,424 | #61 |
| Nevada | 14 | 6.438% | $5,378 | — |
| Texas | 2 | 6.438% | $6,572 | — |
| California | 1 | 6.990% | $6,640 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,202 | 5.625% | — | 47 | −$1,227 | |
| 2 | $4,376 | 6.625% | — | 2 | −$1,053 | |
| 3 | $4,652 | 6.125% | — | 3 | −$777 | |
| 4 | $4,718 | 6.490% | — | 163 | −$711 | |
| 5 | $5,378 | 6.438% | — | 14 | −$51 | |
| 6 | $5,506 | 6.624% | — | 32 | +$77 | |
| 7 | $5,521 | 6.500% | — | 87 | +$92 | |
| 8 | $6,106 | 6.624% | — | 17 | +$677 | |
| 9 | $6,339 | 6.250% | — | 2 | +$910 | |
| 10 | $6,458 | 6.370% | — | 12 | +$1,029 | |
| 11 | $6,621 | 6.438% | — | 2 | +$1,192 | |
| 12 | $7,015 | 6.625% | — | 6 | +$1,586 | |
| 13 | $7,021 | 6.625% | — | 27 | +$1,592 | |
| 14 | $7,077 | 7.125% | — | 2 | +$1,648 | |
| 15 | $8,520 | 6.370% | — | 4 | +$3,091 | |
| 16 | $10,414 | 6.000% | — | 2 | +$4,985 | |
| 17 | $10,503 | 6.500% | — | 8 | +$5,074 | |
| 18 | $11,156 | 6.438% | — | 10 | +$5,727 | |
| 19 | $12,738 | 6.375% | — | 14 | +$7,309 | |
| 20 | $15,072 | 6.183% | — | 4 | +$9,643 |
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 | Sun American Mortgage Company | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $335,000 | $335,000 | +$0 (+0.0%) |
| Median total closing costs | $5,429 | $7,127 | −$1,698 (−23.8%) |
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.