Purchase Originations
323
Median Total Costs
$7,830
+17.2% vs national ($6,680)
↑ $320 vs prior year
Median Rate
5.700%
−12.2% vs national (6.490%)
↓ 0.600% vs prior year
Median Origination
$0
Median Lender Credits
$2,145
Denial Rate
0.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 323 | 5.700% | $7,830 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 53 | 5.700% | $9,506 | #337 |
| California | 42 | 5.625% | $9,826 | — |
| Illinois | 31 | 5.750% | $6,990 | — |
| New York | 27 | 5.850% | $8,739 | — |
| Florida | 26 | 5.575% | $11,236 | — |
| Massachusetts | 16 | 5.700% | $6,264 | — |
| Arizona | 10 | 5.575% | $7,906 | — |
| Tennessee | 10 | 5.450% | $8,055 | — |
| North Carolina | 8 | 5.725% | $6,923 | — |
| Ohio | 8 | 5.650% | $5,968 | — |
| Utah | 8 | 5.950% | $4,639 | — |
| Colorado | 7 | 5.850% | $3,082 | — |
| Georgia | 7 | 5.800% | $5,552 | — |
| New Jersey | 6 | 5.775% | $7,236 | — |
| Pennsylvania | 6 | 5.500% | $8,207 | — |
| Virginia | 5 | 5.250% | $5,428 | — |
| Washington | 5 | 5.650% | $5,370 | — |
| Wisconsin | 5 | 5.850% | $4,282 | — |
| District of Columbia | 4 | 5.875% | $8,978 | — |
| Michigan | 4 | 5.575% | $3,852 | — |
| Nevada | 4 | 5.650% | $7,780 | — |
| South Carolina | 4 | 5.550% | $6,765 | — |
| Arkansas | 3 | 5.450% | $5,267 | — |
| Indiana | 3 | 5.700% | $3,685 | — |
| Maryland | 3 | 5.550% | $6,371 | — |
| Oregon | 3 | 5.400% | $9,942 | — |
| Alabama | 2 | 5.735% | $4,428 | — |
| Maine | 2 | 5.875% | $4,710 | — |
| Minnesota | 2 | 5.325% | $7,633 | — |
| Hawaii | 1 | 6.450% | $4,573 | — |
| Iowa | 1 | 5.400% | $4,791 | — |
| Idaho | 1 | 5.800% | $10,819 | — |
| Mississippi | 1 | 6.500% | $4,949 | — |
| Nebraska | 1 | 6.350% | $2,554 | — |
| New Hampshire | 1 | 5.500% | $3,730 | — |
| Oklahoma | 1 | 5.500% | $7,177 | — |
| Rhode Island | 1 | 6.450% | $3,510 | — |
| Wyoming | 1 | 5.100% | $24,272 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,095 | 5.625% | — | 4 | −$2,735 | |
| 2 | $5,492 | 5.700% | — | 9 | −$2,338 | |
| 3 | $6,990 | 5.750% | — | 25 | −$840 | |
| 4 | $7,055 | 5.700% | — | 5 | −$775 | |
| 5 | $7,082 | 5.550% | — | 4 | −$748 | |
| 6 | $7,131 | 5.707% | — | 5 | −$699 | |
| 7 | $8,325 | 5.400% | — | 7 | +$495 | |
| 8 | $8,356 | 5.825% | — | 4 | +$526 | |
| 9 | $8,384 | 5.575% | — | 6 | +$554 | |
| 10 | $8,390 | 6.000% | — | 4 | +$560 | |
| 11 | $8,745 | 5.840% | — | 13 | +$915 | |
| 12 | $8,801 | 5.750% | — | 21 | +$971 | |
| 13 | $9,206 | 5.350% | — | 6 | +$1,376 | |
| 14 | $9,925 | 5.798% | — | 6 | +$2,095 | |
| 15 | $10,504 | 6.075% | — | 6 | +$2,674 | |
| 16 | $10,781 | 5.600% | — | 9 | +$2,951 | |
| 17 | $12,082 | 5.400% | — | 5 | +$4,252 | |
| 18 | $13,631 | 5.550% | — | 11 | +$5,801 | |
| 19 | $14,525 | 5.750% | — | 8 | +$6,695 | |
| 20 | $16,858 | 5.675% | — | 6 | +$9,028 |
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 | Goldman Sachs Bank USA | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $1,455,000 | $335,000 | +$1,120,000 (+334.3%) |
| Median total closing costs | $7,830 | $7,127 | +$703 (+9.9%) |
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.