Purchase Originations
121
Median Total Costs
$17,137
+156.5% vs national ($6,680)
↑ $1,463 vs prior year
Median Rate
7.500%
+15.6% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$11,025
Median Lender Credits
$3,300
Denial Rate
3.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 121 | 7.500% | $17,137 | $11,025 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 76 | 7.500% | $17,870 | #224 |
| Florida | 9 | 7.750% | $16,569 | — |
| Texas | 7 | 7.750% | $13,958 | — |
| Colorado | 6 | 7.375% | $12,760 | — |
| Nevada | 5 | 7.375% | $13,185 | — |
| Washington | 4 | 7.312% | $17,396 | — |
| Oregon | 3 | 7.875% | $17,271 | — |
| Arizona | 2 | 7.370% | $24,379 | — |
| Georgia | 2 | 7.875% | $13,663 | — |
| Connecticut | 1 | 8.990% | $10,197 | — |
| Illinois | 1 | 6.990% | $13,620 | — |
| Indiana | 1 | 9.125% | $12,574 | — |
| Maryland | 1 | 7.375% | $7,922 | — |
| Michigan | 1 | 6.990% | $7,556 | — |
| North Carolina | 1 | 8.990% | $8,044 | — |
| Ohio | 1 | 7.375% | $23,926 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $7,649 | 8.125% | — | 1 | −$9,488 | |
| 2 | $8,159 | 7.812% | — | 2 | −$8,978 | |
| 3 | $13,343 | 7.312% | — | 4 | −$3,794 | |
| 4 | $13,360 | 6.375% | — | 1 | −$3,777 | |
| 5 | $13,748 | 6.990% | — | 3 | −$3,389 | |
| 6 | $14,399 | 7.938% | — | 2 | −$2,738 | |
| 7 | $14,610 | 7.875% | — | 1 | −$2,527 | |
| 8 | $15,084 | 7.250% | — | 8 | −$2,053 | |
| 9 | $15,213 | 6.938% | — | 2 | −$1,924 | |
| 10 | $15,309 | 6.990% | — | 1 | −$1,828 | |
| 11 | $17,432 | 7.375% | — | 3 | +$295 | |
| 12 | $17,536 | 7.125% | — | 3 | +$399 | |
| 13 | $17,759 | 6.812% | — | 4 | +$622 | |
| 14 | $17,910 | 7.250% | — | 1 | +$773 | |
| 15 | $17,973 | 7.250% | — | 3 | +$836 | |
| 16 | $19,270 | 7.625% | — | 39 | +$2,133 | |
| 17 | $22,745 | 7.125% | — | 4 | +$5,608 | |
| 18 | $24,379 | 7.370% | — | 2 | +$7,242 | |
| 19 | $32,331 | 7.750% | — | 2 | +$15,194 | |
| 20 | $42,756 | 8.250% | — | 1 | +$25,619 |
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 | 5th Street Capital, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $585,000 | $335,000 | +$250,000 (+74.6%) |
| Median total closing costs | $17,137 | $7,127 | +$10,010 (+140.5%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
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.