Purchase Originations
286
Median Total Costs
$6,116
−8.4% vs national ($6,680)
↑ $185 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.124% vs prior year
Median Origination
$1,050
Median Lender Credits
$1,542
Denial Rate
0.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 286 | 6.500% | $6,116 | $1,050 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 280 | 6.500% | $6,205 | #119 |
| Washington | 3 | 6.500% | $4,508 | — |
| Arizona | 1 | 6.624% | $4,790 | — |
| Florida | 1 | 5.875% | $3,937 | — |
| Texas | 1 | 6.490% | $4,965 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,832 | 6.688% | — | 6 | −$2,284 | |
| 2 | $4,500 | 6.375% | — | 11 | −$1,616 | |
| 3 | $4,508 | 6.500% | — | 3 | −$1,608 | |
| 4 | $4,574 | 6.875% | — | 1 | −$1,542 | |
| 5 | $4,779 | 6.624% | — | 1 | −$1,337 | |
| 6 | $4,790 | 6.624% | — | 1 | −$1,326 | |
| 7 | $4,886 | 6.375% | — | 3 | −$1,230 | |
| 8 | $5,237 | 6.624% | — | 7 | −$879 | |
| 9 | $5,361 | 6.500% | — | 99 | −$755 | |
| 10 | $5,417 | 7.000% | — | 2 | −$699 | |
| 11 | $5,514 | 6.250% | — | 4 | −$602 | |
| 12 | $6,700 | 6.375% | — | 13 | +$584 | |
| 13 | $6,820 | 6.624% | — | 61 | +$704 | |
| 14 | $6,893 | 6.433% | — | 22 | +$777 | |
| 15 | $7,232 | 5.625% | — | 1 | +$1,116 | |
| 16 | $7,392 | 5.750% | — | 1 | +$1,276 | |
| 17 | $7,470 | 6.499% | — | 15 | +$1,354 | |
| 18 | $8,085 | 6.495% | — | 8 | +$1,969 | |
| 19 | $9,363 | 6.625% | — | 9 | +$3,247 | |
| 20 | $9,695 | 6.625% | — | 13 | +$3,579 |
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 | Googain, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $765,000 | $335,000 | +$430,000 (+128.4%) |
| Median total closing costs | $6,116 | $7,127 | −$1,011 (−14.2%) |
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.