Purchase Originations
294
Median Total Costs
$13,405
+100.7% vs national ($6,680)
↓ $1,044 vs prior year
Median Rate
6.875%
+5.9% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$8,832
Median Lender Credits
$3,777
Denial Rate
1.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 294 | 6.875% | $13,405 | $8,832 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 224 | 6.875% | $14,587 | #140 |
| Georgia | 31 | 6.750% | $11,295 | — |
| Florida | 21 | 6.875% | $12,995 | — |
| Texas | 8 | 6.875% | $9,158 | — |
| Washington | 4 | 6.188% | $6,116 | — |
| Colorado | 3 | 6.875% | $7,811 | — |
| Nevada | 3 | 7.125% | $11,045 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,082 | 6.125% | — | 3 | −$7,323 | |
| 2 | $7,445 | 6.500% | — | 4 | −$5,960 | |
| 3 | $8,021 | 7.125% | — | 2 | −$5,384 | |
| 4 | $8,390 | 7.000% | — | 7 | −$5,015 | |
| 5 | $10,087 | 6.875% | — | 11 | −$3,318 | |
| 6 | $10,087 | 6.375% | — | 4 | −$3,318 | |
| 7 | $10,634 | 6.875% | — | 4 | −$2,771 | |
| 8 | $10,774 | 6.875% | — | 10 | −$2,631 | |
| 9 | $11,045 | 7.125% | — | 3 | −$2,360 | |
| 10 | $11,901 | 6.750% | — | 23 | −$1,504 | |
| 11 | $12,338 | 6.625% | — | 2 | −$1,067 | |
| 12 | $13,148 | 6.875% | — | 2 | −$257 | |
| 13 | $13,252 | 6.625% | — | 11 | −$153 | |
| 14 | $13,723 | 6.875% | — | 30 | +$318 | |
| 15 | $14,654 | 7.250% | — | 5 | +$1,249 | |
| 16 | $15,658 | 6.812% | — | 22 | +$2,253 | |
| 17 | $16,431 | 7.000% | — | 11 | +$3,026 | |
| 18 | $17,077 | 7.062% | — | 2 | +$3,672 | |
| 19 | $17,268 | 6.875% | — | 106 | +$3,863 | |
| 20 | $18,534 | 6.875% | — | 5 | +$5,129 |
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 | Fidelity Lending Solutions, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $585,000 | $335,000 | +$250,000 (+74.6%) |
| Median total closing costs | $13,405 | $7,127 | +$6,278 (+88.1%) |
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.