Purchase Originations
6,925
Ranked #61 nationally
Median Total Costs
$6,861
+2.7% vs national ($6,680)
↓ $469 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$5,890
Median Lender Credits
—
Cost Rank (500+ vol.)
#356
among lenders with 500+ originations
Denial Rate
5.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 4,588 | 6.750% | $7,231 | $7,130 |
| conventional | 1,342 | 6.625% | $7,347 | $3,716 |
| usda | 516 | 6.375% | $4,398 | $3,299 |
| va | 479 | 6.375% | $5,336 | $4,750 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 1,215 | 7.125% | $8,713 | #40 |
| Texas | 850 | 6.625% | $10,000 | #77 |
| Ohio | 573 | 6.625% | $5,654 | #46 |
| Arizona | 553 | 6.750% | $7,300 | #31 |
| Arkansas | 452 | 6.250% | $4,135 | #13 |
| Missouri | 317 | 6.500% | $4,360 | #39 |
| North Carolina | 246 | 6.750% | $5,407 | #95 |
| New Mexico | 245 | 6.375% | $4,778 | #18 |
| Tennessee | 234 | 6.750% | $7,103 | #69 |
| Louisiana | 214 | 6.625% | $6,985 | #37 |
| Georgia | 200 | 6.875% | $8,440 | #102 |
| Oklahoma | 187 | 6.500% | $5,178 | #44 |
| Indiana | 144 | 6.875% | $4,587 | #104 |
| Washington | 135 | 6.625% | $9,951 | #91 |
| California | 117 | 6.625% | $8,970 | #186 |
| Kentucky | 107 | 6.750% | $4,625 | #82 |
| Kansas | 103 | 6.625% | $5,276 | #63 |
| Nevada | 93 | 6.625% | $7,950 | #65 |
| Colorado | 88 | 6.375% | $5,953 | #113 |
| South Carolina | 88 | 6.875% | $6,651 | #126 |
| Michigan | 86 | 6.625% | $5,779 | #118 |
| Alabama | 71 | 6.875% | $5,496 | #112 |
| Virginia | 61 | 6.875% | $9,496 | #163 |
| Illinois | 59 | 6.875% | $8,000 | #180 |
| Maryland | 48 | 7.062% | $11,193 | — |
| Minnesota | 46 | 6.812% | $6,662 | — |
| Iowa | 40 | 6.500% | $4,771 | — |
| Oregon | 40 | 6.375% | $6,348 | — |
| Pennsylvania | 39 | 6.990% | $11,107 | — |
| Utah | 34 | 6.562% | $7,030 | — |
| West Virginia | 32 | 6.375% | $4,518 | — |
| Idaho | 26 | 6.625% | $3,113 | — |
| Alaska | 24 | 6.375% | $5,553 | — |
| Wisconsin | 23 | 7.125% | $6,000 | — |
| Montana | 19 | 6.375% | $5,056 | — |
| Hawaii | 17 | 6.500% | $5,559 | — |
| North Dakota | 15 | 6.250% | $4,134 | — |
| South Dakota | 12 | 6.250% | $4,147 | — |
| Mississippi | 11 | 6.990% | $4,585 | — |
| Nebraska | 11 | 6.500% | $4,989 | — |
| New Jersey | 11 | 6.990% | $18,264 | — |
| Massachusetts | 7 | 6.625% | $7,755 | — |
| Maine | 7 | 6.990% | $5,878 | — |
| Connecticut | 6 | 6.438% | $13,996 | — |
| Vermont | 5 | 6.875% | $6,374 | — |
| New Hampshire | 4 | 7.562% | $11,586 | — |
| Wyoming | 4 | 6.125% | $5,002 | — |
| New York | 3 | 6.250% | $7,711 | — |
| Rhode Island | 2 | 6.438% | $6,715 | — |
| Delaware | 1 | 7.125% | $21,712 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,026 | 6.250% | — | 180 | −$2,835 | |
| 2 | $4,217 | 6.125% | — | 81 | −$2,644 | |
| 3 | $4,623 | 6.375% | — | 51 | −$2,238 | |
| 4 | $4,717 | 6.500% | — | 46 | −$2,144 | |
| 5 | $4,748 | 6.250% | — | 111 | −$2,113 | |
| 6 | $4,803 | 6.625% | — | 57 | −$2,058 | |
| 7 | $5,216 | 6.625% | — | 48 | −$1,645 | |
| 8 | $5,241 | 6.625% | — | 136 | −$1,620 | |
| 9 | $5,828 | 6.625% | — | 68 | −$1,033 | |
| 10 | $6,943 | 6.750% | — | 94 | +$82 | |
| 11 | $7,480 | 7.125% | — | 93 | +$619 | |
| 12 | $7,612 | 6.750% | — | 395 | +$751 | |
| 13 | $8,218 | 6.990% | — | 57 | +$1,357 | |
| 14 | $8,256 | 7.125% | — | 112 | +$1,395 | |
| 15 | $8,376 | 7.125% | — | 507 | +$1,515 | |
| 16 | $8,737 | 6.812% | — | 72 | +$1,876 | |
| 17 | $13,968 | 6.625% | — | 80 | +$7,107 | |
| 18 | $17,090 | 6.875% | — | 57 | +$10,229 | |
| 19 | $18,362 | 6.625% | — | 182 | +$11,501 | |
| 20 | $25,609 | 6.625% | — | 53 | +$18,748 |
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 | Click N' Close, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $285,000 | $335,000 | −$50,000 (−14.9%) |
| Median total closing costs | $6,861 | $7,127 | −$266 (−3.7%) |
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.