Purchase Originations
130
Median Total Costs
$13,669
+104.6% vs national ($6,680)
↓ $1,451 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$8,685
Median Lender Credits
$1,514
Denial Rate
16.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 84 | 6.500% | $13,835 | $9,254 |
| conventional | 43 | 7.125% | $13,836 | $8,490 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 122 | 6.625% | $14,169 | #179 |
| Texas | 6 | 6.875% | $10,471 | — |
| Arizona | 2 | 6.625% | $41,734 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $8,415 | 6.625% | — | 1 | −$5,254 | |
| 2 | $10,059 | 5.750% | — | 1 | −$3,610 | |
| 3 | $10,117 | 6.438% | — | 2 | −$3,552 | |
| 4 | $11,395 | 6.375% | — | 2 | −$2,274 | |
| 5 | $11,668 | 6.562% | — | 2 | −$2,001 | |
| 6 | $12,397 | 7.125% | — | 1 | −$1,272 | |
| 7 | $12,787 | 6.500% | — | 15 | −$882 | |
| 8 | $13,225 | 6.625% | — | 35 | −$444 | |
| 9 | $14,285 | 6.250% | — | 5 | +$616 | |
| 10 | $14,780 | 7.125% | — | 1 | +$1,111 | |
| 11 | $15,067 | 6.500% | — | 11 | +$1,398 | |
| 12 | $15,254 | 6.750% | — | 50 | +$1,585 | |
| 13 | $16,893 | 9.125% | — | 1 | +$3,224 | |
| 14 | $23,158 | 7.250% | — | 1 | +$9,489 | |
| 15 | $28,191 | 7.000% | — | 1 | +$14,522 | |
| 16 | $73,410 | 7.500% | — | 1 | +$59,741 |
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 One Mortgage, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $570,000 | $335,000 | +$235,000 (+70.1%) |
| Median total closing costs | $13,669 | $7,127 | +$6,542 (+91.8%) |
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.