Purchase Originations
180
Median Total Costs
$11,635
+74.2% vs national ($6,680)
↑ $596 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$5,265
Median Lender Credits
$200
Denial Rate
1.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 116 | 6.990% | $8,253 | $4,714 |
| fha | 42 | 6.562% | $18,873 | $6,144 |
| va | 22 | 6.490% | $12,991 | $1,745 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 69 | 6.625% | $9,818 | #231 |
| Nevada | 38 | 6.875% | $8,958 | — |
| Florida | 37 | 6.875% | $12,706 | — |
| Hawaii | 24 | 6.990% | $13,751 | — |
| Texas | 5 | 6.625% | $9,254 | — |
| Oregon | 2 | 6.740% | $7,215 | — |
| Arizona | 1 | 6.500% | $13,019 | — |
| Idaho | 1 | 7.250% | $5,987 | — |
| Maryland | 1 | 6.375% | $9,165 | — |
| New Jersey | 1 | 6.875% | $16,256 | — |
| Washington | 1 | 6.750% | $8,523 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,674 | 7.490% | — | 1 | −$7,961 | |
| 2 | $6,232 | 6.558% | — | 2 | −$5,403 | |
| 3 | $6,897 | 6.875% | — | 3 | −$4,738 | |
| 4 | $7,987 | 6.490% | — | 33 | −$3,648 | |
| 5 | $8,438 | 6.500% | — | 4 | −$3,197 | |
| 6 | $8,958 | 6.875% | — | 36 | −$2,677 | |
| 7 | $9,257 | 7.188% | — | 2 | −$2,378 | |
| 8 | $10,122 | 7.125% | — | 7 | −$1,513 | |
| 9 | $10,869 | 6.812% | — | 8 | −$766 | |
| 10 | $11,193 | 6.375% | — | 7 | −$442 | |
| 11 | $11,393 | 7.000% | — | 2 | −$242 | |
| 12 | $11,427 | 6.625% | — | 4 | −$208 | |
| 13 | $11,644 | 7.183% | — | 2 | +$9 | |
| 14 | $11,652 | 6.812% | — | 16 | +$17 | |
| 15 | $13,019 | 6.500% | — | 1 | +$1,384 | |
| 16 | $14,903 | 6.990% | — | 3 | +$3,268 | |
| 17 | $16,386 | 7.125% | — | 3 | +$4,751 | |
| 18 | $17,683 | 6.990% | — | 19 | +$6,048 | |
| 19 | $20,195 | 7.250% | — | 1 | +$8,560 | |
| 20 | $27,106 | 7.058% | — | 2 | +$15,471 |
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 | Hightechlending Inc | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $485,000 | $335,000 | +$150,000 (+44.8%) |
| Median total closing costs | $11,635 | $7,127 | +$4,508 (+63.3%) |
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.