Purchase Originations
1,889
Ranked #232 nationally
Median Total Costs
$5,599
−16.2% vs national ($6,680)
↓ $147 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,750
Median Lender Credits
$340
Cost Rank (500+ vol.)
#245
among lenders with 500+ originations
Denial Rate
2.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 981 | 6.750% | $4,739 | $1,815 |
| fha | 633 | 6.500% | $7,478 | $0 |
| va | 205 | 6.375% | $5,519 | $0 |
| usda | 70 | 6.375% | $5,097 | $1,115 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 527 | 6.625% | $6,153 | #87 |
| Michigan | 320 | 6.625% | $4,045 | #59 |
| Ohio | 169 | 6.750% | $5,133 | #102 |
| Tennessee | 167 | 6.625% | $5,583 | #88 |
| Indiana | 155 | 6.625% | $3,855 | #100 |
| Idaho | 90 | 6.312% | $10,793 | #48 |
| North Carolina | 86 | 6.375% | $4,634 | #162 |
| New Mexico | 81 | 6.250% | $8,669 | #48 |
| Utah | 65 | 6.250% | $10,859 | #72 |
| Texas | 45 | 6.625% | $6,652 | — |
| Georgia | 28 | 6.625% | $4,457 | — |
| Nevada | 28 | 6.375% | $6,007 | — |
| Oregon | 27 | 6.750% | $7,384 | — |
| Maryland | 23 | 6.750% | $5,128 | — |
| California | 18 | 6.625% | $11,781 | — |
| Colorado | 9 | 6.750% | $10,310 | — |
| South Carolina | 7 | 6.625% | $5,670 | — |
| Illinois | 6 | 6.562% | $2,983 | — |
| Kentucky | 5 | 6.625% | $3,932 | — |
| Virginia | 5 | 6.125% | $1,828 | — |
| Washington | 4 | 6.625% | $6,299 | — |
| Arizona | 3 | 5.750% | $11,277 | — |
| Louisiana | 3 | 6.375% | $4,467 | — |
| Montana | 3 | 6.250% | $11,489 | — |
| Pennsylvania | 3 | 6.625% | $6,600 | — |
| Alabama | 2 | 6.688% | $4,445 | — |
| Delaware | 2 | 6.812% | $5,697 | — |
| Alaska | 1 | 5.875% | $1,216 | — |
| Kansas | 1 | 6.625% | $6,385 | — |
| Massachusetts | 1 | 7.250% | $5,543 | — |
| Maine | 1 | 6.500% | $6,111 | — |
| Mississippi | 1 | 7.000% | $0 | — |
| Wisconsin | 1 | 6.875% | $3,805 | — |
| West Virginia | 1 | 6.875% | $7,135 | — |
| Wyoming | 1 | 5.750% | $10,935 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,312 | 6.625% | — | 39 | −$2,287 | |
| 2 | $3,832 | 6.500% | — | 48 | −$1,767 | |
| 3 | $3,885 | 6.312% | — | 26 | −$1,714 | |
| 4 | $3,892 | 6.625% | — | 28 | −$1,707 | |
| 5 | $4,304 | 6.625% | — | 135 | −$1,295 | |
| 6 | $4,318 | 6.625% | — | 26 | −$1,281 | |
| 7 | $4,692 | 6.875% | — | 26 | −$907 | |
| 8 | $4,733 | 6.750% | — | 33 | −$866 | |
| 9 | $5,377 | 6.750% | — | 58 | −$222 | |
| 10 | $5,395 | 6.500% | — | 33 | −$204 | |
| 11 | $5,638 | 6.500% | — | 25 | +$39 | |
| 12 | $5,960 | 6.500% | — | 53 | +$361 | |
| 13 | $6,153 | 6.625% | — | 103 | +$554 | |
| 14 | $6,423 | 6.562% | — | 76 | +$824 | |
| 15 | $7,302 | 6.625% | — | 38 | +$1,703 | |
| 16 | $7,315 | 6.500% | — | 77 | +$1,716 | |
| 17 | $8,888 | 6.500% | — | 45 | +$3,289 | |
| 18 | $10,922 | 6.250% | — | 46 | +$5,323 | |
| 19 | $11,391 | 6.375% | — | 27 | +$5,792 | |
| 20 | $11,682 | 6.250% | — | 29 | +$6,083 |
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 | Van Dyk Mortgage Corporation | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $265,000 | $335,000 | −$70,000 (−20.9%) |
| Median total closing costs | $5,599 | $7,127 | −$1,528 (−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.