Purchase Originations
664
Ranked #521 nationally
Median Total Costs
$4,385
−34.4% vs national ($6,680)
↑ $104 vs prior year
Median Rate
7.125%
+9.8% vs national (6.490%)
↓ 0.525% vs prior year
Median Origination
$2,415
Median Lender Credits
$75
Cost Rank (500+ vol.)
#139
among lenders with 500+ originations
Denial Rate
9.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 664 | 7.125% | $4,385 | $2,415 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Wisconsin | 320 | 7.000% | $4,351 | #41 |
| Minnesota | 228 | 7.125% | $4,658 | #58 |
| Illinois | 100 | 7.250% | $3,894 | #150 |
| Texas | 4 | 7.912% | $4,367 | — |
| Iowa | 3 | 7.625% | $4,210 | — |
| South Dakota | 2 | 7.000% | $8,611 | — |
| Kentucky | 1 | 7.000% | $5,557 | — |
| Maryland | 1 | 6.750% | $5,841 | — |
| Michigan | 1 | 6.750% | $4,556 | — |
| Missouri | 1 | 7.250% | $3,673 | — |
| North Dakota | 1 | 8.000% | $2,766 | — |
| Ohio | 1 | 7.000% | $6,311 | — |
| West Virginia | 1 | 7.625% | $4,450 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,109 | 7.250% | — | 9 | −$1,276 | |
| 2 | $3,319 | 7.250% | — | 9 | −$1,066 | |
| 3 | $3,433 | 7.250% | — | 10 | −$952 | |
| 4 | $3,633 | 7.500% | — | 9 | −$752 | |
| 5 | $3,702 | 7.062% | — | 10 | −$683 | |
| 6 | $3,766 | 7.250% | — | 9 | −$619 | |
| 7 | $3,948 | 7.250% | — | 8 | −$437 | |
| 8 | $3,951 | 6.750% | — | 10 | −$434 | |
| 9 | $3,977 | 6.750% | — | 13 | −$408 | |
| 10 | $4,092 | 7.250% | — | 14 | −$293 | |
| 11 | $4,152 | 7.125% | — | 13 | −$233 | |
| 12 | $4,284 | 7.250% | — | 9 | −$101 | |
| 13 | $4,325 | 7.188% | — | 10 | −$60 | |
| 14 | $4,374 | 6.650% | — | 13 | −$11 | |
| 15 | $4,640 | 7.125% | — | 9 | +$255 | |
| 16 | $4,692 | 6.750% | — | 19 | +$307 | |
| 17 | $4,709 | 6.750% | — | 9 | +$324 | |
| 18 | $4,831 | 6.750% | — | 13 | +$446 | |
| 19 | $4,928 | 6.750% | — | 8 | +$543 | |
| 20 | $5,086 | 6.750% | — | 18 | +$701 |
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 | Compeer Financial, Flca | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $315,000 | $335,000 | −$20,000 (−6.0%) |
| Median total closing costs | $4,385 | $7,127 | −$2,742 (−38.5%) |
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.