Purchase Originations
469
Median Total Costs
$6,946
+4.0% vs national ($6,680)
↑ $201 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$3,566
Median Lender Credits
$500
Denial Rate
1.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 366 | 6.500% | $6,186 | $3,437 |
| fha | 75 | 6.125% | $12,804 | $4,589 |
| va | 28 | 6.125% | $7,920 | $2,336 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,167 | 6.500% | — | 5 | −$2,779 | |
| 2 | $5,165 | 6.624% | — | 16 | −$1,781 | |
| 3 | $5,706 | 6.500% | — | 27 | −$1,240 | |
| 4 | $5,731 | 6.438% | — | 4 | −$1,215 | |
| 5 | $5,746 | 6.875% | — | 17 | −$1,200 | |
| 6 | $5,762 | 7.062% | — | 4 | −$1,184 | |
| 7 | $5,876 | 6.500% | — | 3 | −$1,070 | |
| 8 | $6,192 | 6.250% | — | 5 | −$754 | |
| 9 | $6,454 | 6.812% | — | 6 | −$492 | |
| 10 | $6,878 | 6.500% | — | 60 | −$68 | |
| 11 | $6,896 | 6.500% | — | 83 | −$50 | |
| 12 | $6,943 | 6.490% | — | 3 | −$3 | |
| 13 | $7,023 | 6.438% | — | 20 | +$77 | |
| 14 | $7,355 | 6.125% | — | 64 | +$409 | |
| 15 | $7,437 | 6.188% | — | 4 | +$491 | |
| 16 | $9,342 | 6.250% | — | 11 | +$2,396 | |
| 17 | $9,855 | 5.990% | — | 38 | +$2,909 | |
| 18 | $10,099 | 5.990% | — | 28 | +$3,153 | |
| 19 | $10,368 | 5.990% | — | 3 | +$3,422 | |
| 20 | $10,603 | 6.375% | — | 20 | +$3,657 |
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 | Cambria Financial Group, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $315,000 | $335,000 | −$20,000 (−6.0%) |
| Median total closing costs | $6,946 | $7,127 | −$181 (−2.5%) |
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.