Purchase Originations
784
Ranked #464 nationally
Median Total Costs
$9,881
+47.9% vs national ($6,680)
↓ $1,376 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$3,621
Median Lender Credits
$849
Cost Rank (500+ vol.)
#538
among lenders with 500+ originations
Denial Rate
6.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 592 | 6.750% | $8,025 | $3,273 |
| fha | 168 | 6.500% | $18,118 | $4,822 |
| va | 24 | 6.125% | $10,412 | $2,292 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 579 | 6.625% | $9,852 | #43 |
| Florida | 77 | 6.500% | $11,827 | #259 |
| New Jersey | 45 | 6.875% | $10,086 | — |
| Texas | 24 | 6.188% | $8,458 | — |
| Arizona | 17 | 6.875% | $6,324 | — |
| Connecticut | 10 | 6.624% | $7,568 | — |
| Pennsylvania | 8 | 7.062% | $8,591 | — |
| Maryland | 5 | 6.490% | $6,402 | — |
| South Carolina | 5 | 6.990% | $9,610 | — |
| Georgia | 4 | 6.812% | $8,965 | — |
| North Carolina | 3 | 7.000% | $11,847 | — |
| California | 1 | 7.250% | $23,957 | — |
| Delaware | 1 | 7.375% | $6,176 | — |
| Minnesota | 1 | 6.125% | $4,966 | — |
| Ohio | 1 | 6.500% | $8,289 | — |
| Tennessee | 1 | 7.000% | $4,745 | — |
| Virginia | 1 | 6.625% | $3,315 | — |
| Washington | 1 | 5.625% | $20,320 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,304 | 6.875% | — | 15 | −$3,577 | |
| 2 | $6,432 | 6.625% | — | 12 | −$3,449 | |
| 3 | $6,917 | 6.750% | — | 7 | −$2,964 | |
| 4 | $7,322 | 6.438% | — | 4 | −$2,559 | |
| 5 | $7,402 | 7.188% | — | 24 | −$2,479 | |
| 6 | $7,722 | 6.750% | — | 13 | −$2,159 | |
| 7 | $8,232 | 7.000% | — | 5 | −$1,649 | |
| 8 | $8,594 | 6.125% | — | 13 | −$1,287 | |
| 9 | $8,711 | 6.688% | — | 4 | −$1,170 | |
| 10 | $9,138 | 6.562% | — | 12 | −$743 | |
| 11 | $9,222 | 6.812% | — | 6 | −$659 | |
| 12 | $9,403 | 6.625% | — | 168 | −$478 | |
| 13 | $9,619 | 6.750% | — | 28 | −$262 | |
| 14 | $10,735 | 6.625% | — | 81 | +$854 | |
| 15 | $11,071 | 6.625% | — | 213 | +$1,190 | |
| 16 | $12,195 | 5.990% | — | 11 | +$2,314 | |
| 17 | $12,274 | 6.188% | — | 4 | +$2,393 | |
| 18 | $13,630 | 6.500% | — | 9 | +$3,749 | |
| 19 | $14,187 | 6.750% | — | 12 | +$4,306 | |
| 20 | $16,333 | 6.375% | — | 18 | +$6,452 |
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 | Cliffco, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $535,000 | $335,000 | +$200,000 (+59.7%) |
| Median total closing costs | $9,881 | $7,127 | +$2,754 (+38.6%) |
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.