Purchase Originations
642
Ranked #538 nationally
Median Total Costs
$8,651
+29.5% vs national ($6,680)
↓ $66 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$3,143
Median Lender Credits
$519
Cost Rank (500+ vol.)
#480
among lenders with 500+ originations
Denial Rate
5.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 470 | 6.625% | $6,724 | $2,685 |
| fha | 150 | 6.375% | $18,242 | $4,600 |
| va | 22 | 6.375% | $6,095 | $1,090 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 465 | 6.500% | $8,571 | #50 |
| New Jersey | 64 | 6.625% | $10,286 | #136 |
| Tennessee | 34 | 6.312% | $6,728 | — |
| Connecticut | 21 | 6.625% | $9,889 | — |
| Georgia | 12 | 6.433% | $7,036 | — |
| Florida | 11 | 6.625% | $9,372 | — |
| Pennsylvania | 11 | 6.500% | $6,854 | — |
| North Carolina | 9 | 6.625% | $4,214 | — |
| Texas | 3 | 6.750% | $7,892 | — |
| South Carolina | 2 | 5.625% | $16,918 | — |
| Virginia | 2 | 6.625% | $17,233 | — |
| California | 1 | 6.625% | $37,581 | — |
| Colorado | 1 | 7.490% | $3,687 | — |
| Kentucky | 1 | 7.250% | $15,118 | — |
| Massachusetts | 1 | 7.125% | $11,762 | — |
| Maryland | 1 | 4.990% | $33,052 | — |
| Ohio | 1 | 6.990% | $2,780 | — |
| Rhode Island | 1 | 6.124% | $15,036 | — |
| Washington | 1 | 6.990% | $4,817 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,715 | 6.375% | — | 5 | −$2,936 | |
| 2 | $6,557 | 6.624% | — | 20 | −$2,094 | |
| 3 | $6,608 | 6.557% | — | 20 | −$2,043 | |
| 4 | $6,860 | 6.375% | — | 29 | −$1,791 | |
| 5 | $6,912 | 6.625% | — | 128 | −$1,739 | |
| 6 | $6,956 | 6.625% | — | 6 | −$1,695 | |
| 7 | $7,111 | 6.500% | — | 35 | −$1,540 | |
| 8 | $7,934 | 7.062% | — | 8 | −$717 | |
| 9 | $8,309 | 6.624% | — | 69 | −$342 | |
| 10 | $8,997 | 6.490% | — | 15 | +$346 | |
| 11 | $9,141 | 6.500% | — | 40 | +$490 | |
| 12 | $9,534 | 6.624% | — | 61 | +$883 | |
| 13 | $9,599 | 6.812% | — | 14 | +$948 | |
| 14 | $10,688 | 6.438% | — | 6 | +$2,037 | |
| 15 | $11,706 | 6.625% | — | 55 | +$3,055 | |
| 16 | $12,471 | 6.562% | — | 8 | +$3,820 | |
| 17 | $12,694 | 6.688% | — | 6 | +$4,043 | |
| 18 | $12,927 | 6.688% | — | 6 | +$4,276 | |
| 19 | $14,342 | 6.500% | — | 5 | +$5,691 | |
| 20 | $24,528 | 6.312% | — | 6 | +$15,877 |
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 | Unmb Home Loans Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $480,000 | $335,000 | +$145,000 (+43.3%) |
| Median total closing costs | $8,651 | $7,127 | +$1,524 (+21.4%) |
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.