Purchase Originations
1,083
Ranked #353 nationally
Median Total Costs
$7,709
+15.4% vs national ($6,680)
↓ $1,427 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$2,511
Median Lender Credits
$142
Cost Rank (500+ vol.)
#421
among lenders with 500+ originations
Denial Rate
5.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 500 | 6.625% | $9,841 | $2,777 |
| conventional | 477 | 6.625% | $5,661 | $2,515 |
| va | 75 | 6.500% | $8,392 | $1,595 |
| usda | 31 | 6.500% | $5,667 | $2,013 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 257 | 6.625% | $6,933 | #137 |
| Georgia | 160 | 6.490% | $7,581 | #114 |
| Michigan | 156 | 6.625% | $6,821 | #89 |
| Colorado | 141 | 6.500% | $8,344 | #93 |
| Tennessee | 69 | 6.490% | $8,006 | #160 |
| Ohio | 38 | 6.562% | $7,141 | — |
| North Carolina | 31 | 6.875% | $8,604 | — |
| Arizona | 22 | 6.625% | $5,860 | — |
| Arkansas | 17 | 6.625% | $6,434 | — |
| Pennsylvania | 17 | 6.875% | $11,279 | — |
| Nevada | 16 | 6.812% | $12,786 | — |
| California | 14 | 6.750% | $12,858 | — |
| Indiana | 14 | 6.750% | $8,611 | — |
| Kentucky | 14 | 6.812% | $5,429 | — |
| Oregon | 14 | 6.562% | $10,766 | — |
| South Carolina | 12 | 6.875% | $8,688 | — |
| Alabama | 9 | 6.875% | $5,224 | — |
| Oklahoma | 9 | 6.490% | $8,547 | — |
| Washington | 9 | 6.624% | $10,025 | — |
| Massachusetts | 8 | 6.812% | $16,698 | — |
| Missouri | 7 | 6.750% | $10,930 | — |
| Utah | 7 | 6.625% | $6,606 | — |
| Texas | 6 | 6.624% | $7,973 | — |
| Louisiana | 5 | 6.750% | $9,509 | — |
| Virginia | 5 | 6.750% | $12,918 | — |
| Connecticut | 4 | 6.875% | $8,349 | — |
| Illinois | 4 | 6.875% | $5,020 | — |
| Maine | 4 | 6.875% | $9,140 | — |
| New Mexico | 3 | 6.250% | $12,085 | — |
| Iowa | 2 | 6.370% | $13,060 | — |
| Idaho | 2 | 6.750% | $21,135 | — |
| Maryland | 2 | 6.875% | $10,611 | — |
| Wyoming | 2 | 6.375% | $10,576 | — |
| Kansas | 1 | 6.875% | $7,429 | — |
| Mississippi | 1 | 6.625% | $9,969 | — |
| North Dakota | 1 | 6.250% | $6,851 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,176 | 6.500% | — | 10 | −$2,533 | |
| 2 | $5,356 | 6.875% | — | 21 | −$2,353 | |
| 3 | $5,810 | 6.433% | — | 30 | −$1,899 | |
| 4 | $5,826 | 6.625% | — | 17 | −$1,883 | |
| 5 | $5,862 | 6.375% | — | 13 | −$1,847 | |
| 6 | $6,119 | 6.750% | — | 21 | −$1,590 | |
| 7 | $6,363 | 6.495% | — | 22 | −$1,346 | |
| 8 | $6,383 | 6.500% | — | 15 | −$1,326 | |
| 9 | $6,388 | 6.562% | — | 24 | −$1,321 | |
| 10 | $6,560 | 6.625% | — | 11 | −$1,149 | |
| 11 | $6,808 | 6.500% | — | 15 | −$901 | |
| 12 | $6,840 | 6.624% | — | 65 | −$869 | |
| 13 | $7,328 | 6.625% | — | 39 | −$381 | |
| 14 | $7,624 | 6.375% | — | 19 | −$85 | |
| 15 | $7,818 | 6.625% | — | 11 | +$109 | |
| 16 | $8,381 | 6.500% | — | 114 | +$672 | |
| 17 | $9,206 | 6.625% | — | 29 | +$1,497 | |
| 18 | $10,376 | 6.250% | — | 11 | +$2,667 | |
| 19 | $12,103 | 6.375% | — | 15 | +$4,394 | |
| 20 | $12,154 | 6.750% | — | 15 | +$4,445 |
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 | Top Flite Financial, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $285,000 | $335,000 | −$50,000 (−14.9%) |
| Median total closing costs | $7,709 | $7,127 | +$582 (+8.2%) |
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.