Purchase Originations
123
Median Total Costs
$10,777
+61.3% vs national ($6,680)
↓ $1,537 vs prior year
Median Rate
6.000%
−7.5% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$4,719
Median Lender Credits
$1,966
Denial Rate
1.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| va | 53 | 6.000% | $18,202 | $5,254 |
| conventional | 50 | 6.500% | $6,130 | $3,258 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| North Carolina | 123 | 6.000% | $10,777 | #137 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,418 | 6.750% | — | 1 | −$7,359 | |
| 2 | $3,991 | 6.870% | — | 6 | −$6,786 | |
| 3 | $6,754 | 6.750% | — | 17 | −$4,023 | |
| 4 | $7,911 | 6.312% | — | 6 | −$2,866 | |
| 5 | $9,611 | 5.812% | — | 16 | −$1,166 | |
| 6 | $10,614 | 5.990% | — | 16 | −$163 | |
| 7 | $10,830 | 5.990% | — | 1 | +$53 | |
| 8 | $13,093 | 6.000% | — | 34 | +$2,316 | |
| 9 | $14,123 | 5.990% | — | 3 | +$3,346 | |
| 10 | $16,942 | 5.875% | — | 9 | +$6,165 | |
| 11 | $17,986 | 5.750% | — | 14 | +$7,209 |
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 | Vision Lending Services, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $385,000 | $335,000 | +$50,000 (+14.9%) |
| Median total closing costs | $10,777 | $7,127 | +$3,650 (+51.2%) |
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.