Purchase Originations
142
Median Total Costs
$6,086
−8.9% vs national ($6,680)
↑ $282 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$3,593
Median Lender Credits
$108
Denial Rate
1.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 112 | 6.375% | $5,780 | $3,456 |
| fha | 25 | 5.875% | $11,129 | $3,764 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| North Dakota | 130 | 6.250% | $6,002 | #13 |
| Minnesota | 9 | 6.000% | $7,355 | — |
| Florida | 1 | 7.000% | $8,582 | — |
| South Dakota | 1 | 6.490% | $4,625 | — |
| Wyoming | 1 | 6.500% | $7,218 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,524 | 6.500% | — | 3 | −$1,562 | |
| 2 | $4,625 | 6.490% | — | 1 | −$1,461 | |
| 3 | $5,055 | 6.490% | — | 3 | −$1,031 | |
| 4 | $5,326 | 6.375% | — | 14 | −$760 | |
| 5 | $5,764 | 6.125% | — | 25 | −$322 | |
| 6 | $6,132 | 6.188% | — | 62 | +$46 | |
| 7 | $6,159 | 5.875% | — | 1 | +$73 | |
| 8 | $6,526 | 6.312% | — | 16 | +$440 | |
| 9 | $6,883 | 5.750% | — | 1 | +$797 | |
| 10 | $7,082 | 6.183% | — | 2 | +$996 | |
| 11 | $7,122 | 5.812% | — | 4 | +$1,036 | |
| 12 | $7,206 | 6.375% | — | 5 | +$1,120 | |
| 13 | $7,218 | 6.500% | — | 1 | +$1,132 | |
| 14 | $8,525 | 6.750% | — | 1 | +$2,439 | |
| 15 | $8,582 | 7.000% | — | 1 | +$2,496 | |
| 16 | $11,181 | 6.125% | — | 1 | +$5,095 | |
| 17 | $12,620 | 6.375% | — | 1 | +$6,534 |
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 | Capital | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $275,000 | $335,000 | −$60,000 (−17.9%) |
| Median total closing costs | $6,086 | $7,127 | −$1,041 (−14.6%) |
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.