Purchase Originations
117
Median Total Costs
$13,111
+96.3% vs national ($6,680)
Median Rate
7.250%
+11.7% vs national (6.490%)
Median Origination
$6,400
Median Lender Credits
$173
Denial Rate
13.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 107 | 7.250% | $13,268 | $7,305 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 92 | 7.250% | $12,926 | #241 |
| California | 5 | 7.250% | $22,031 | — |
| Georgia | 5 | 7.250% | $5,136 | — |
| North Carolina | 3 | 6.624% | $5,924 | — |
| Tennessee | 3 | 5.875% | $6,276 | — |
| Alabama | 2 | 5.938% | $4,812 | — |
| South Carolina | 2 | 7.250% | $21,434 | — |
| Texas | 2 | 6.688% | $22,924 | — |
| New York | 1 | 7.625% | $14,041 | — |
| Pennsylvania | 1 | 5.490% | $8,719 | — |
| Utah | 1 | 7.250% | $17,852 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,331 | 5.750% | — | 1 | −$9,780 | |
| 2 | $6,292 | 6.125% | — | 1 | −$6,819 | |
| 3 | $6,428 | 6.875% | — | 3 | −$6,683 | |
| 4 | $7,178 | 7.245% | — | 6 | −$5,933 | |
| 5 | $8,192 | 5.812% | — | 4 | −$4,919 | |
| 6 | $9,808 | 7.250% | — | 29 | −$3,303 | |
| 7 | $11,821 | 7.250% | — | 11 | −$1,290 | |
| 8 | $12,740 | 7.250% | — | 1 | −$371 | |
| 9 | $14,496 | 6.870% | — | 8 | +$1,385 | |
| 10 | $14,931 | 7.250% | — | 4 | +$1,820 | |
| 11 | $15,158 | 7.375% | — | 2 | +$2,047 | |
| 12 | $15,253 | 6.750% | — | 2 | +$2,142 | |
| 13 | $15,930 | 7.250% | — | 6 | +$2,819 | |
| 14 | $17,190 | 6.874% | — | 2 | +$4,079 | |
| 15 | $17,353 | 7.250% | — | 2 | +$4,242 | |
| 16 | $18,063 | 6.120% | — | 2 | +$4,952 | |
| 17 | $20,556 | 7.250% | — | 2 | +$7,445 | |
| 18 | $22,031 | 7.250% | — | 1 | +$8,920 | |
| 19 | $22,836 | 7.250% | — | 5 | +$9,725 | |
| 20 | $27,733 | 7.250% | — | 2 | +$14,622 |
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 | Climate First Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $745,000 | $335,000 | +$410,000 (+122.4%) |
| Median total closing costs | $13,111 | $7,127 | +$5,984 (+84.0%) |
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.