Purchase Originations
598
Ranked #571 nationally
Median Total Costs
$3,125
−53.2% vs national ($6,680)
↑ $128 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$1,300
Median Lender Credits
$200
Cost Rank (500+ vol.)
#48
among lenders with 500+ originations
Denial Rate
5.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 596 | 6.125% | $3,126 | $1,300 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,443 | 6.312% | — | 4 | −$682 | |
| 2 | $2,490 | 6.688% | — | 6 | −$635 | |
| 3 | $2,504 | 6.250% | — | 28 | −$621 | |
| 4 | $2,578 | 6.625% | — | 7 | −$547 | |
| 5 | $2,637 | 6.125% | — | 14 | −$488 | |
| 6 | $2,675 | 6.688% | — | 2 | −$450 | |
| 7 | $2,721 | 6.750% | — | 2 | −$404 | |
| 8 | $2,859 | 6.250% | — | 8 | −$266 | |
| 9 | $2,873 | 6.375% | — | 81 | −$252 | |
| 10 | $2,875 | 6.062% | — | 2 | −$250 | |
| 11 | $2,977 | 6.438% | — | 10 | −$148 | |
| 12 | $3,000 | 6.250% | — | 43 | −$125 | |
| 13 | $3,014 | 6.125% | — | 7 | −$111 | |
| 14 | $3,082 | 6.250% | — | 7 | −$43 | |
| 15 | $3,106 | 6.125% | — | 13 | −$19 | |
| 16 | $3,126 | 6.125% | — | 13 | +$1 | |
| 17 | $3,206 | 6.125% | — | 5 | +$81 | |
| 18 | $3,236 | 6.125% | — | 88 | +$111 | |
| 19 | $3,360 | 6.125% | — | 239 | +$235 | |
| 20 | $3,424 | 6.000% | — | 7 | +$299 |
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 | Capitol Federal Savings Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $305,000 | $335,000 | −$30,000 (−9.0%) |
| Median total closing costs | $3,125 | $7,127 | −$4,002 (−56.2%) |
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.