Purchase Originations
168
Median Total Costs
$7,369
+10.3% vs national ($6,680)
Median Rate
6.750%
+4.0% vs national (6.490%)
Median Origination
$2,485
Median Lender Credits
$598
Denial Rate
6.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 167 | 6.750% | $7,356 | $2,485 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 129 | 6.750% | $6,990 | #110 |
| New Jersey | 10 | 7.188% | $8,734 | — |
| Florida | 8 | 6.750% | $12,326 | — |
| California | 7 | 6.625% | $14,168 | — |
| Massachusetts | 2 | 6.500% | $8,629 | — |
| North Carolina | 2 | 7.250% | $21,506 | — |
| Pennsylvania | 2 | 7.250% | $15,307 | — |
| Tennessee | 2 | 7.062% | $14,062 | — |
| Connecticut | 1 | 6.375% | $5,170 | — |
| Maryland | 1 | 7.500% | $44,506 | — |
| Montana | 1 | 6.750% | $10,218 | — |
| Virginia | 1 | 6.250% | $8,042 | — |
| Vermont | 1 | 6.500% | $5,563 | — |
| Washington | 1 | 6.875% | $11,238 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,170 | 6.375% | — | 1 | −$2,199 | |
| 2 | $6,010 | 6.875% | — | 1 | −$1,359 | |
| 3 | $6,513 | 6.625% | — | 5 | −$856 | |
| 4 | $6,599 | 6.750% | — | 16 | −$770 | |
| 5 | $6,758 | 6.750% | — | 61 | −$611 | |
| 6 | $6,872 | 6.500% | — | 3 | −$497 | |
| 7 | $6,889 | 7.375% | — | 3 | −$480 | |
| 8 | $7,271 | 6.625% | — | 1 | −$98 | |
| 9 | $7,564 | 6.500% | — | 7 | +$195 | |
| 10 | $7,986 | 6.250% | — | 5 | +$617 | |
| 11 | $8,089 | 6.688% | — | 28 | +$720 | |
| 12 | $8,967 | 6.000% | — | 1 | +$1,598 | |
| 13 | $9,128 | 6.750% | — | 3 | +$1,759 | |
| 14 | $11,920 | 7.875% | — | 1 | +$4,551 | |
| 15 | $12,732 | 5.750% | — | 1 | +$5,363 | |
| 16 | $14,522 | 6.750% | — | 6 | +$7,153 | |
| 17 | $19,629 | 6.750% | — | 1 | +$12,260 | |
| 18 | $29,705 | 6.688% | — | 2 | +$22,336 | |
| 19 | $37,002 | 7.625% | — | 1 | +$29,633 | |
| 20 | $48,258 | 7.375% | — | 1 | +$40,889 |
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 | GuardHill Financial LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $650,000 | $335,000 | +$315,000 (+94.0%) |
| Median total closing costs | $7,369 | $7,127 | +$242 (+3.4%) |
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.