Purchase Originations
164
Median Total Costs
$12,126
+81.5% vs national ($6,680)
↑ $2,041 vs prior year
Median Rate
6.300%
−2.9% vs national (6.490%)
↓ 0.350% vs prior year
Median Origination
$8,088
Median Lender Credits
$216
Denial Rate
17.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 164 | 6.300% | $12,126 | $8,088 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Oregon | 61 | 6.250% | $11,551 | #88 |
| Washington | 35 | 6.500% | $10,023 | — |
| California | 25 | 6.200% | $13,900 | — |
| Montana | 12 | 6.275% | $6,819 | — |
| Idaho | 11 | 6.300% | $14,236 | — |
| Utah | 9 | 6.650% | $12,671 | — |
| Arizona | 8 | 6.200% | $14,666 | — |
| Alaska | 2 | 6.500% | $6,286 | — |
| Virginia | 1 | 6.200% | $16,531 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,743 | 6.500% | — | 3 | −$5,383 | |
| 2 | $8,602 | 6.300% | — | 3 | −$3,524 | |
| 3 | $8,664 | 6.400% | — | 3 | −$3,462 | |
| 4 | $9,175 | 6.325% | — | 4 | −$2,951 | |
| 5 | $9,599 | 6.250% | — | 5 | −$2,527 | |
| 6 | $9,671 | 6.600% | — | 7 | −$2,455 | |
| 7 | $9,952 | 6.650% | — | 2 | −$2,174 | |
| 8 | $10,212 | 6.150% | — | 2 | −$1,914 | |
| 9 | $10,383 | 6.100% | — | 7 | −$1,743 | |
| 10 | $10,962 | 5.850% | — | 3 | −$1,164 | |
| 11 | $11,031 | 6.225% | — | 6 | −$1,095 | |
| 12 | $11,446 | 6.700% | — | 4 | −$680 | |
| 13 | $11,582 | 6.200% | — | 3 | −$544 | |
| 14 | $13,747 | 6.575% | — | 4 | +$1,621 | |
| 15 | $14,029 | 5.700% | — | 3 | +$1,903 | |
| 16 | $14,406 | 6.700% | — | 3 | +$2,280 | |
| 17 | $14,566 | 6.200% | — | 7 | +$2,440 | |
| 18 | $14,706 | 6.050% | — | 3 | +$2,580 | |
| 19 | $16,767 | 5.950% | — | 2 | +$4,641 | |
| 20 | $19,750 | 6.225% | — | 4 | +$7,624 |
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 | AgWest Farm Credit, FLCA | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $540,000 | $335,000 | +$205,000 (+61.2%) |
| Median total closing costs | $12,126 | $7,127 | +$4,999 (+70.1%) |
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.