Purchase Originations
108
Median Total Costs
$16,117
+141.3% vs national ($6,680)
↓ $760 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$4,441
Median Lender Credits
$1,928
Denial Rate
0.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 59 | 6.250% | $17,242 | $3,856 |
| conventional | 46 | 6.938% | $11,128 | $5,889 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 108 | 6.500% | $16,117 | #191 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $7,443 | 7.625% | — | 1 | −$8,674 | |
| 2 | $11,994 | 6.250% | — | 1 | −$4,123 | |
| 3 | $12,175 | 6.500% | — | 1 | −$3,942 | |
| 4 | $12,519 | 6.500% | — | 1 | −$3,598 | |
| 5 | $13,346 | 6.250% | — | 15 | −$2,771 | |
| 6 | $16,841 | 6.125% | — | 3 | +$724 | |
| 7 | $16,859 | 6.500% | — | 74 | +$742 | |
| 8 | $17,000 | 6.625% | — | 5 | +$883 | |
| 9 | $19,191 | 6.875% | — | 1 | +$3,074 | |
| 10 | $20,358 | 6.562% | — | 6 | +$4,241 |
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 | Campos Financial Corp. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $535,000 | $335,000 | +$200,000 (+59.7%) |
| Median total closing costs | $16,117 | $7,127 | +$8,990 (+126.1%) |
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.