Purchase Originations
200
Median Total Costs
$9,646
+44.4% vs national ($6,680)
↑ $461 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.500% vs prior year
Median Origination
$4,330
Median Lender Credits
$391
Denial Rate
11.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 168 | 6.250% | $9,855 | $4,329 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Puerto Rico | 200 | 6.250% | $9,646 | #13 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $7,768 | 6.250% | — | 5 | −$1,878 | |
| 2 | $8,796 | 5.750% | — | 6 | −$850 | |
| 3 | $8,826 | 6.000% | — | 4 | −$820 | |
| 4 | $8,934 | 6.500% | — | 5 | −$712 | |
| 5 | $9,026 | 6.750% | — | 10 | −$620 | |
| 6 | $9,100 | 6.250% | — | 9 | −$546 | |
| 7 | $9,151 | 6.250% | — | 15 | −$495 | |
| 8 | $9,368 | 6.250% | — | 4 | −$278 | |
| 9 | $9,435 | 5.750% | — | 3 | −$211 | |
| 10 | $9,905 | 6.500% | — | 4 | +$259 | |
| 11 | $10,129 | 6.250% | — | 3 | +$483 | |
| 12 | $10,212 | 5.875% | — | 8 | +$566 | |
| 13 | $10,422 | 6.000% | — | 4 | +$776 | |
| 14 | $10,501 | 6.250% | — | 35 | +$855 | |
| 15 | $10,601 | 6.250% | — | 3 | +$955 | |
| 16 | $10,774 | 5.750% | — | 4 | +$1,128 | |
| 17 | $11,028 | 5.875% | — | 8 | +$1,382 | |
| 18 | $11,113 | 5.750% | — | 19 | +$1,467 | |
| 19 | $11,623 | 6.250% | — | 5 | +$1,977 | |
| 20 | $13,072 | 6.000% | — | 8 | +$3,426 |
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 | Vig Mortgage Corporation | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $145,000 | $335,000 | −$190,000 (−56.7%) |
| Median total closing costs | $9,646 | $7,127 | +$2,519 (+35.3%) |
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.