Purchase Originations
164
Median Total Costs
$6,991
+4.7% vs national ($6,680)
↓ $487 vs prior year
Median Rate
6.562%
+1.1% vs national (6.490%)
↓ 0.063% vs prior year
Median Origination
$4,296
Median Lender Credits
$110
Denial Rate
1.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 117 | 6.625% | $6,207 | $4,114 |
| fha | 31 | 6.500% | $12,346 | $4,931 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Colorado | 164 | 6.562% | $6,991 | #85 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,876 | 7.500% | — | 1 | −$4,115 | |
| 2 | $4,372 | 6.375% | — | 1 | −$2,619 | |
| 3 | $4,512 | 6.125% | — | 1 | −$2,479 | |
| 4 | $5,308 | 6.875% | — | 2 | −$1,683 | |
| 5 | $5,440 | 6.562% | — | 20 | −$1,551 | |
| 6 | $5,830 | 6.375% | — | 17 | −$1,161 | |
| 7 | $6,441 | 6.375% | — | 3 | −$550 | |
| 8 | $6,844 | 6.500% | — | 53 | −$147 | |
| 9 | $6,996 | 6.625% | — | 4 | +$5 | |
| 10 | $7,018 | 7.125% | — | 1 | +$27 | |
| 11 | $7,303 | 6.875% | — | 21 | +$312 | |
| 12 | $7,623 | 6.625% | — | 10 | +$632 | |
| 13 | $7,775 | 6.875% | — | 1 | +$784 | |
| 14 | $8,379 | 6.750% | — | 1 | +$1,388 | |
| 15 | $8,793 | 6.438% | — | 4 | +$1,802 | |
| 16 | $8,797 | 6.500% | — | 1 | +$1,806 | |
| 17 | $8,823 | 6.625% | — | 10 | +$1,832 | |
| 18 | $9,498 | 6.625% | — | 5 | +$2,507 | |
| 19 | $9,861 | 6.000% | — | 3 | +$2,870 | |
| 20 | $10,891 | 5.625% | — | 1 | +$3,900 |
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 | The Mortgage Company | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $375,000 | $335,000 | +$40,000 (+11.9%) |
| Median total closing costs | $6,991 | $7,127 | −$136 (−1.9%) |
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.