Purchase Originations
227
Median Total Costs
$4,348
−34.9% vs national ($6,680)
↑ $656 vs prior year
Median Rate
6.511%
+0.3% vs national (6.490%)
↓ 0.114% vs prior year
Median Origination
$2,080
Median Lender Credits
$3,683
Denial Rate
16.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 219 | 6.581% | $4,330 | $2,080 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Colorado | 227 | 6.511% | $4,348 | #72 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,158 | 4.500% | — | 5 | −$2,190 | |
| 2 | $2,440 | 5.438% | — | 8 | −$1,908 | |
| 3 | $2,544 | 7.774% | — | 2 | −$1,804 | |
| 4 | $2,591 | 6.125% | — | 9 | −$1,757 | |
| 5 | $3,120 | 6.438% | — | 28 | −$1,228 | |
| 6 | $3,308 | 6.875% | — | 2 | −$1,040 | |
| 7 | $3,460 | 6.871% | — | 15 | −$888 | |
| 8 | $3,745 | 6.875% | — | 5 | −$603 | |
| 9 | $3,815 | 6.625% | — | 3 | −$533 | |
| 10 | $4,330 | 6.875% | — | 7 | −$18 | |
| 11 | $4,458 | 6.500% | — | 13 | +$110 | |
| 12 | $4,499 | 6.595% | — | 2 | +$151 | |
| 13 | $4,663 | 6.625% | — | 51 | +$315 | |
| 14 | $5,244 | 6.500% | — | 13 | +$896 | |
| 15 | $5,280 | 6.438% | — | 14 | +$932 | |
| 16 | $5,418 | 5.750% | — | 4 | +$1,070 | |
| 17 | $5,615 | 6.562% | — | 8 | +$1,267 | |
| 18 | $6,033 | 6.375% | — | 23 | +$1,685 | |
| 19 | $8,597 | 6.568% | — | 2 | +$4,249 | |
| 20 | $9,905 | 6.725% | — | 7 | +$5,557 |
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 | Alpine Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $405,000 | $335,000 | +$70,000 (+20.9%) |
| Median total closing costs | $4,348 | $7,127 | −$2,779 (−39.0%) |
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.