Purchase Originations
2,690
Ranked #171 nationally
Median Total Costs
$7,163
+7.2% vs national ($6,680)
↓ $314 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$2,145
Median Lender Credits
$175
Cost Rank (500+ vol.)
#382
among lenders with 500+ originations
Denial Rate
2.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,648 | 6.750% | $5,992 | $2,250 |
| fha | 732 | 6.500% | $10,784 | $2,145 |
| va | 289 | 6.625% | $6,113 | $1,270 |
| usda | 21 | 6.375% | $7,139 | $2,095 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 2,348 | 6.625% | $7,412 | #16 |
| Louisiana | 142 | 6.625% | $5,334 | #48 |
| Alabama | 72 | 6.500% | $7,254 | #111 |
| Georgia | 39 | 6.500% | $6,654 | — |
| Indiana | 21 | 6.990% | $3,625 | — |
| Tennessee | 12 | 6.750% | $5,069 | — |
| Texas | 12 | 6.625% | $6,523 | — |
| Mississippi | 9 | 6.500% | $7,543 | — |
| North Carolina | 7 | 6.750% | $7,705 | — |
| South Carolina | 7 | 6.990% | $5,514 | — |
| West Virginia | 5 | 6.375% | $6,738 | — |
| Virginia | 4 | 6.750% | $3,586 | — |
| Kentucky | 3 | 6.490% | $8,964 | — |
| Ohio | 3 | 7.000% | $4,260 | — |
| Colorado | 2 | 6.000% | $5,173 | — |
| Maryland | 2 | 6.875% | $4,355 | — |
| Arkansas | 1 | 5.750% | $4,146 | — |
| Pennsylvania | 1 | 6.375% | $4,669 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,016 | 6.790% | — | 54 | −$2,147 | |
| 2 | $5,432 | 6.750% | — | 46 | −$1,731 | |
| 3 | $6,052 | 6.688% | — | 138 | −$1,111 | |
| 4 | $6,427 | 6.750% | — | 64 | −$736 | |
| 5 | $6,477 | 6.750% | — | 123 | −$686 | |
| 6 | $6,889 | 6.625% | — | 39 | −$274 | |
| 7 | $7,084 | 6.750% | — | 121 | −$79 | |
| 8 | $7,085 | 6.750% | — | 179 | −$78 | |
| 9 | $7,127 | 6.562% | — | 114 | −$36 | |
| 10 | $7,152 | 6.750% | — | 469 | −$11 | |
| 11 | $7,672 | 6.625% | — | 103 | +$509 | |
| 12 | $8,023 | 6.812% | — | 74 | +$860 | |
| 13 | $8,144 | 6.750% | — | 111 | +$981 | |
| 14 | $8,247 | 6.500% | — | 127 | +$1,084 | |
| 15 | $8,356 | 6.625% | — | 40 | +$1,193 | |
| 16 | $8,478 | 6.625% | — | 65 | +$1,315 | |
| 17 | $8,542 | 6.625% | — | 132 | +$1,379 | |
| 18 | $8,945 | 6.625% | — | 82 | +$1,782 | |
| 19 | $9,183 | 6.625% | — | 36 | +$2,020 | |
| 20 | $9,587 | 6.750% | — | 39 | +$2,424 |
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 Firm, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $7,163 | $7,127 | +$36 (+0.5%) |
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.