Purchase Originations
208
Median Total Costs
$15,960
+138.9% vs national ($6,680)
↑ $467 vs prior year
Median Rate
8.125%
+25.2% vs national (6.490%)
↓ 1.125% vs prior year
Median Origination
$11,534
Median Lender Credits
$1,762
Denial Rate
0.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 208 | 8.125% | $15,960 | $11,534 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 94 | 8.000% | $17,549 | #207 |
| Florida | 30 | 8.250% | $16,852 | — |
| Texas | 23 | 8.250% | $17,584 | — |
| Arizona | 9 | 7.750% | $15,201 | — |
| Illinois | 8 | 7.875% | $13,169 | — |
| Nevada | 8 | 9.125% | $11,643 | — |
| New Jersey | 7 | 8.250% | $13,557 | — |
| Washington | 7 | 8.500% | $14,997 | — |
| Colorado | 6 | 8.438% | $16,222 | — |
| Virginia | 4 | 9.250% | $14,676 | — |
| Georgia | 3 | 10.375% | $13,520 | — |
| Maryland | 2 | 8.875% | $13,322 | — |
| Minnesota | 2 | 8.812% | $13,551 | — |
| Utah | 2 | 9.187% | $17,219 | — |
| North Carolina | 1 | 10.875% | $15,072 | — |
| Oregon | 1 | 7.750% | $18,791 | — |
| Pennsylvania | 1 | 6.750% | $12,770 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $10,383 | 8.250% | — | 3 | −$5,577 | |
| 2 | $11,000 | 9.375% | — | 7 | −$4,960 | |
| 3 | $11,498 | 8.125% | — | 5 | −$4,462 | |
| 4 | $11,912 | 8.250% | — | 3 | −$4,048 | |
| 5 | $13,760 | 8.750% | — | 3 | −$2,200 | |
| 6 | $13,995 | 7.938% | — | 4 | −$1,965 | |
| 7 | $14,075 | 8.625% | — | 3 | −$1,885 | |
| 8 | $14,402 | 8.562% | — | 6 | −$1,558 | |
| 9 | $14,635 | 7.812% | — | 8 | −$1,325 | |
| 10 | $15,387 | 7.500% | — | 4 | −$573 | |
| 11 | $15,632 | 8.375% | — | 5 | −$328 | |
| 12 | $16,021 | 8.250% | — | 7 | +$61 | |
| 13 | $17,464 | 8.000% | — | 3 | +$1,504 | |
| 14 | $18,890 | 7.688% | — | 6 | +$2,930 | |
| 15 | $18,895 | 7.438% | — | 12 | +$2,935 | |
| 16 | $19,875 | 8.062% | — | 26 | +$3,915 | |
| 17 | $20,986 | 7.062% | — | 8 | +$5,026 | |
| 18 | $22,080 | 8.875% | — | 5 | +$6,120 | |
| 19 | $27,589 | 8.500% | — | 2 | +$11,629 | |
| 20 | $30,740 | 7.688% | — | 6 | +$14,780 |
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 | Greenbox Loans, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $395,000 | $335,000 | +$60,000 (+17.9%) |
| Median total closing costs | $15,960 | $7,127 | +$8,833 (+123.9%) |
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.