Purchase Originations
740
Ranked #486 nationally
Median Total Costs
$3,916
−41.4% vs national ($6,680)
↓ $474 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$0
Median Lender Credits
—
Cost Rank (500+ vol.)
#102
among lenders with 500+ originations
Denial Rate
1.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 430 | 6.750% | $1,505 | $0 |
| fha | 222 | 6.250% | $6,368 | $0 |
| va | 83 | 6.375% | $4,788 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Arizona | 659 | 6.625% | $3,798 | #28 |
| California | 49 | 6.250% | $8,014 | — |
| Colorado | 12 | 6.500% | $1,903 | — |
| Texas | 7 | 6.500% | $1,514 | — |
| Nevada | 6 | 6.688% | $5,088 | — |
| Idaho | 3 | 6.750% | $5,232 | — |
| North Carolina | 3 | 6.125% | $3,833 | — |
| Georgia | 1 | 7.250% | $5,738 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $776 | 6.875% | — | 3 | −$3,140 | |
| 2 | $2,431 | 6.625% | — | 5 | −$1,485 | |
| 3 | $2,555 | 6.688% | — | 8 | −$1,361 | |
| 4 | $2,931 | 6.625% | — | 37 | −$985 | |
| 5 | $3,597 | 6.500% | — | 411 | −$319 | |
| 6 | $4,061 | 7.312% | — | 4 | +$145 | |
| 7 | $4,137 | 6.500% | — | 47 | +$221 | |
| 8 | $4,258 | 6.625% | — | 21 | +$342 | |
| 9 | $4,330 | 6.625% | — | 110 | +$414 | |
| 10 | $4,728 | 6.250% | — | 11 | +$812 | |
| 11 | $4,879 | 6.000% | — | 4 | +$963 | |
| 12 | $5,088 | 6.688% | — | 6 | +$1,172 | |
| 13 | $5,389 | 6.500% | — | 3 | +$1,473 | |
| 14 | $6,076 | 6.875% | — | 3 | +$2,160 | |
| 15 | $6,351 | 6.438% | — | 2 | +$2,435 | |
| 16 | $6,829 | 5.625% | — | 3 | +$2,913 | |
| 17 | $7,144 | 6.438% | — | 2 | +$3,228 | |
| 18 | $7,611 | 5.750% | — | 11 | +$3,695 | |
| 19 | $8,156 | 6.250% | — | 26 | +$4,240 | |
| 20 | $9,013 | 6.875% | — | 3 | +$5,097 |
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 | Altitude Financial Corporation | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $325,000 | $335,000 | −$10,000 (−3.0%) |
| Median total closing costs | $3,916 | $7,127 | −$3,211 (−45.1%) |
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.