Purchase Originations
1,015
Ranked #375 nationally
Median Total Costs
$8,418
+26.0% vs national ($6,680)
↓ $398 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$3,470
Median Lender Credits
$68
Cost Rank (500+ vol.)
#468
among lenders with 500+ originations
Denial Rate
3.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 492 | 6.625% | $6,353 | $3,369 |
| fha | 383 | 6.500% | $11,069 | $3,586 |
| va | 121 | 6.250% | $8,432 | $4,034 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Alabama | 235 | 6.500% | $8,030 | #48 |
| Florida | 120 | 6.625% | $9,877 | #214 |
| Georgia | 116 | 6.375% | $9,321 | #132 |
| Nevada | 78 | 6.625% | $8,365 | #71 |
| Ohio | 74 | 6.625% | $7,432 | #160 |
| Tennessee | 73 | 6.500% | $9,780 | #148 |
| Kentucky | 60 | 6.625% | $7,392 | #106 |
| Michigan | 44 | 6.625% | $6,934 | — |
| Indiana | 30 | 6.750% | $7,754 | — |
| New Jersey | 23 | 6.750% | $7,580 | — |
| Texas | 19 | 6.375% | $10,262 | — |
| Maryland | 17 | 6.250% | $13,934 | — |
| South Carolina | 17 | 6.500% | $6,720 | — |
| California | 16 | 6.500% | $7,018 | — |
| North Carolina | 14 | 6.562% | $6,223 | — |
| Massachusetts | 13 | 6.625% | $10,711 | — |
| Mississippi | 13 | 6.500% | $8,662 | — |
| Illinois | 12 | 6.562% | $6,477 | — |
| Pennsylvania | 10 | 6.312% | $6,692 | — |
| Virginia | 10 | 6.125% | $12,409 | — |
| Colorado | 4 | 6.312% | $6,053 | — |
| Kansas | 3 | 6.990% | $6,113 | — |
| Washington | 3 | 6.125% | $11,816 | — |
| Missouri | 2 | 7.000% | $9,190 | — |
| Arkansas | 1 | 6.500% | $10,478 | — |
| Delaware | 1 | 5.750% | $9,695 | — |
| Iowa | 1 | 5.375% | $21,914 | — |
| Maine | 1 | 6.625% | $4,315 | — |
| Minnesota | 1 | 6.750% | $2,400 | — |
| Oklahoma | 1 | 6.375% | $4,593 | — |
| Oregon | 1 | 6.250% | $22,273 | — |
| Rhode Island | 1 | 6.625% | $9,601 | — |
| Wisconsin | 1 | 7.125% | $9,262 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,859 | 6.688% | — | 12 | −$2,559 | |
| 2 | $7,116 | 6.625% | — | 26 | −$1,302 | |
| 3 | $7,156 | 6.625% | — | 24 | −$1,262 | |
| 4 | $7,159 | 6.375% | — | 21 | −$1,259 | |
| 5 | $7,228 | 6.625% | — | 56 | −$1,190 | |
| 6 | $7,377 | 6.500% | — | 11 | −$1,041 | |
| 7 | $7,776 | 6.250% | — | 14 | −$642 | |
| 8 | $7,797 | 6.688% | — | 32 | −$621 | |
| 9 | $7,851 | 6.500% | — | 56 | −$567 | |
| 10 | $7,906 | 6.750% | — | 15 | −$512 | |
| 11 | $8,010 | 6.625% | — | 51 | −$408 | |
| 12 | $8,830 | 6.250% | — | 44 | +$412 | |
| 13 | $8,852 | 6.625% | — | 16 | +$434 | |
| 14 | $9,815 | 6.625% | — | 11 | +$1,397 | |
| 15 | $10,266 | 6.375% | — | 20 | +$1,848 | |
| 16 | $10,446 | 6.625% | — | 22 | +$2,028 | |
| 17 | $10,711 | 6.625% | — | 11 | +$2,293 | |
| 18 | $11,274 | 6.250% | — | 24 | +$2,856 | |
| 19 | $11,332 | 6.062% | — | 14 | +$2,914 | |
| 20 | $11,941 | 6.625% | — | 11 | +$3,523 |
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 | TJC Mortgage, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $315,000 | $335,000 | −$20,000 (−6.0%) |
| Median total closing costs | $8,418 | $7,127 | +$1,291 (+18.1%) |
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.