Purchase Originations
698
Ranked #501 nationally
Median Total Costs
$2,401
−64.1% vs national ($6,680)
↑ $166 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$950
Median Lender Credits
$127
Cost Rank (500+ vol.)
#23
among lenders with 500+ originations
Denial Rate
2.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 698 | 6.125% | $2,401 | $950 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Iowa | 506 | 6.125% | $2,181 | #14 |
| Wisconsin | 139 | 6.125% | $2,903 | #78 |
| Illinois | 34 | 6.188% | $3,188 | — |
| Minnesota | 6 | 6.375% | $4,404 | — |
| Florida | 3 | 5.875% | $4,015 | — |
| Missouri | 2 | 5.812% | $5,291 | — |
| Arkansas | 1 | 5.500% | $2,881 | — |
| Kentucky | 1 | 5.875% | $4,423 | — |
| Maine | 1 | 5.750% | $4,150 | — |
| Michigan | 1 | 5.250% | $2,971 | — |
| North Carolina | 1 | 6.500% | $2,831 | — |
| Nebraska | 1 | 5.750% | $5,622 | — |
| Oklahoma | 1 | 6.000% | $4,541 | — |
| Pennsylvania | 1 | 5.750% | $3,625 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,033 | 6.125% | — | 9 | −$368 | |
| 2 | $2,070 | 6.250% | — | 8 | −$331 | |
| 3 | $2,071 | 6.125% | — | 25 | −$330 | |
| 4 | $2,082 | 6.125% | — | 55 | −$319 | |
| 5 | $2,131 | 6.125% | — | 268 | −$270 | |
| 6 | $2,142 | 6.125% | — | 23 | −$259 | |
| 7 | $2,206 | 5.875% | — | 9 | −$195 | |
| 8 | $2,295 | 6.125% | — | 17 | −$106 | |
| 9 | $2,341 | 5.875% | — | 5 | −$60 | |
| 10 | $2,445 | 6.000% | — | 10 | +$44 | |
| 11 | $2,607 | 6.125% | — | 4 | +$206 | |
| 12 | $2,668 | 6.125% | — | 4 | +$267 | |
| 13 | $2,691 | 6.125% | — | 75 | +$290 | |
| 14 | $2,801 | 6.000% | — | 21 | +$400 | |
| 15 | $2,821 | 6.000% | — | 13 | +$420 | |
| 16 | $2,846 | 6.125% | — | 19 | +$445 | |
| 17 | $2,903 | 6.125% | — | 9 | +$502 | |
| 18 | $2,985 | 6.125% | — | 7 | +$584 | |
| 19 | $3,093 | 6.125% | — | 23 | +$692 | |
| 20 | $3,095 | 6.000% | — | 4 | +$694 |
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 | Dupaco Community | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $195,000 | $335,000 | −$140,000 (−41.8%) |
| Median total closing costs | $2,401 | $7,127 | −$4,726 (−66.3%) |
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.