Purchase Originations
1,434
Ranked #290 nationally
Median Total Costs
$13,142
+96.7% vs national ($6,680)
↓ $561 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$6,075
Median Lender Credits
$130
Cost Rank (500+ vol.)
#587
among lenders with 500+ originations
Denial Rate
5.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 843 | 6.875% | $10,572 | $6,109 |
| fha | 545 | 6.625% | $19,085 | $6,167 |
| va | 41 | 6.500% | $12,888 | $5,916 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 739 | 6.625% | $16,532 | #31 |
| Pennsylvania | 240 | 6.875% | $8,697 | #92 |
| New Jersey | 197 | 6.750% | $13,205 | #66 |
| Florida | 69 | 6.750% | $12,455 | #280 |
| Connecticut | 33 | 6.750% | $17,627 | — |
| Texas | 29 | 6.750% | $9,690 | — |
| Georgia | 14 | 6.375% | $11,068 | — |
| Ohio | 14 | 6.625% | $8,699 | — |
| South Carolina | 14 | 6.625% | $10,664 | — |
| Nevada | 13 | 6.625% | $11,924 | — |
| Tennessee | 9 | 6.875% | $9,148 | — |
| Indiana | 8 | 6.500% | $8,252 | — |
| North Carolina | 7 | 6.500% | $11,647 | — |
| Colorado | 6 | 6.562% | $13,336 | — |
| Kentucky | 4 | 6.688% | $10,756 | — |
| Massachusetts | 4 | 6.562% | $16,915 | — |
| Michigan | 4 | 6.808% | $6,557 | — |
| Virginia | 4 | 6.562% | $8,829 | — |
| Illinois | 3 | 6.750% | $14,438 | — |
| Mississippi | 3 | 7.750% | $15,212 | — |
| Washington | 3 | 6.375% | $14,281 | — |
| Wisconsin | 3 | 7.125% | $9,703 | — |
| District of Columbia | 2 | 6.438% | $23,880 | — |
| New Hampshire | 2 | 6.812% | $17,247 | — |
| Alabama | 1 | 6.750% | $10,623 | — |
| California | 1 | 7.125% | $14,428 | — |
| Delaware | 1 | 6.625% | $28,367 | — |
| Idaho | 1 | 6.990% | $6,821 | — |
| Kansas | 1 | 7.250% | $6,398 | — |
| Louisiana | 1 | 7.250% | $5,205 | — |
| Maryland | 1 | 6.375% | $21,959 | — |
| Maine | 1 | 7.250% | $8,008 | — |
| Rhode Island | 1 | 7.250% | $10,990 | — |
| West Virginia | 1 | 6.624% | $11,264 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,143 | 6.750% | — | 12 | −$6,999 | |
| 2 | $6,641 | 6.750% | — | 47 | −$6,501 | |
| 3 | $7,147 | 6.875% | — | 27 | −$5,995 | |
| 4 | $7,365 | 6.812% | — | 10 | −$5,777 | |
| 5 | $8,551 | 6.875% | — | 150 | −$4,591 | |
| 6 | $9,773 | 6.625% | — | 11 | −$3,369 | |
| 7 | $11,924 | 6.625% | — | 13 | −$1,218 | |
| 8 | $14,574 | 6.500% | — | 12 | +$1,432 | |
| 9 | $14,735 | 6.625% | — | 327 | +$1,593 | |
| 10 | $17,596 | 6.750% | — | 18 | +$4,454 | |
| 11 | $17,612 | 6.750% | — | 160 | +$4,470 | |
| 12 | $19,085 | 6.625% | — | 15 | +$5,943 | |
| 13 | $20,443 | 6.875% | — | 19 | +$7,301 | |
| 14 | $20,893 | 6.812% | — | 20 | +$7,751 | |
| 15 | $21,351 | 6.625% | — | 13 | +$8,209 | |
| 16 | $21,738 | 6.625% | — | 122 | +$8,596 | |
| 17 | $21,894 | 6.625% | — | 16 | +$8,752 | |
| 18 | $22,084 | 6.625% | — | 22 | +$8,942 | |
| 19 | $23,326 | 6.750% | — | 22 | +$10,184 | |
| 20 | $27,708 | 6.625% | — | 39 | +$14,566 |
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 | United Mortgage Corp. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $490,000 | $335,000 | +$155,000 (+46.3%) |
| Median total closing costs | $13,142 | $7,127 | +$6,015 (+84.4%) |
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.