Purchase Originations
299
Median Total Costs
$8,538
+27.8% vs national ($6,680)
↓ $1,052 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$4,155
Median Lender Credits
$1,500
Denial Rate
0.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 231 | 6.625% | $7,810 | $3,913 |
| fha | 51 | 6.125% | $16,564 | $5,990 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 266 | 6.500% | $8,558 | #122 |
| Washington | 10 | 6.750% | $5,986 | — |
| Ohio | 9 | 6.375% | $6,542 | — |
| Arizona | 5 | 6.875% | $6,718 | — |
| Nevada | 4 | 6.875% | $10,517 | — |
| Illinois | 3 | 5.990% | $11,195 | — |
| Indiana | 1 | 5.990% | $12,064 | — |
| Oregon | 1 | 6.490% | $16,416 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,834 | 6.433% | — | 4 | −$3,704 | |
| 2 | $5,269 | 6.625% | — | 3 | −$3,269 | |
| 3 | $5,728 | 6.183% | — | 4 | −$2,810 | |
| 4 | $5,958 | 6.625% | — | 7 | −$2,580 | |
| 5 | $6,076 | 6.875% | — | 4 | −$2,462 | |
| 6 | $6,295 | 6.624% | — | 19 | −$2,243 | |
| 7 | $6,354 | 6.749% | — | 4 | −$2,184 | |
| 8 | $6,794 | 6.620% | — | 2 | −$1,744 | |
| 9 | $8,115 | 6.495% | — | 126 | −$423 | |
| 10 | $8,372 | 6.933% | — | 8 | −$166 | |
| 11 | $8,564 | 6.750% | — | 9 | +$26 | |
| 12 | $10,104 | 6.687% | — | 18 | +$1,566 | |
| 13 | $10,222 | 6.438% | — | 2 | +$1,684 | |
| 14 | $10,480 | 6.500% | — | 5 | +$1,942 | |
| 15 | $10,968 | 6.500% | — | 55 | +$2,430 | |
| 16 | $10,976 | 6.058% | — | 2 | +$2,438 | |
| 17 | $11,261 | 6.562% | — | 2 | +$2,723 | |
| 18 | $13,964 | 5.990% | — | 3 | +$5,426 | |
| 19 | $15,003 | 6.749% | — | 2 | +$6,465 | |
| 20 | $15,354 | 6.870% | — | 4 | +$6,816 |
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 | Dignified Home Loans, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $455,000 | $335,000 | +$120,000 (+35.8%) |
| Median total closing costs | $8,538 | $7,127 | +$1,411 (+19.8%) |
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.