Purchase Originations
424
Median Total Costs
$7,028
+5.2% vs national ($6,680)
↓ $391 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$2,051
Median Lender Credits
$888
Denial Rate
1.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 265 | 6.625% | $5,486 | $2,162 |
| fha | 111 | 6.375% | $12,371 | $2,871 |
| va | 48 | 6.250% | $4,557 | $309 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 255 | 6.500% | $7,349 | #126 |
| Nevada | 143 | 6.624% | $6,712 | #51 |
| Florida | 5 | 6.375% | $5,836 | — |
| Oregon | 5 | 6.625% | $6,452 | — |
| Arizona | 4 | 6.875% | $7,788 | — |
| Tennessee | 4 | 6.625% | $4,375 | — |
| Idaho | 3 | 6.625% | $11,236 | — |
| Washington | 3 | 6.750% | $8,348 | — |
| South Carolina | 1 | 6.125% | $9,771 | — |
| Utah | 1 | 6.625% | $6,075 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $153 | 6.625% | — | 2 | −$6,875 | |
| 2 | $4,782 | 6.438% | — | 6 | −$2,246 | |
| 3 | $5,511 | 6.625% | — | 2 | −$1,517 | |
| 4 | $5,554 | 6.750% | — | 2 | −$1,474 | |
| 5 | $6,154 | 6.500% | — | 111 | −$874 | |
| 6 | $6,212 | 6.625% | — | 124 | −$816 | |
| 7 | $6,260 | 6.625% | — | 7 | −$768 | |
| 8 | $6,340 | 6.433% | — | 6 | −$688 | |
| 9 | $6,794 | 6.687% | — | 4 | −$234 | |
| 10 | $7,050 | 6.490% | — | 3 | +$22 | |
| 11 | $7,402 | 6.500% | — | 54 | +$374 | |
| 12 | $7,788 | 6.875% | — | 4 | +$760 | |
| 13 | $8,560 | 6.250% | — | 22 | +$1,532 | |
| 14 | $8,948 | 6.562% | — | 4 | +$1,920 | |
| 15 | $10,056 | 6.625% | — | 19 | +$3,028 | |
| 16 | $11,189 | 6.745% | — | 2 | +$4,161 | |
| 17 | $11,792 | 6.500% | — | 3 | +$4,764 | |
| 18 | $12,908 | 6.625% | — | 3 | +$5,880 | |
| 19 | $13,790 | 6.308% | — | 2 | +$6,762 | |
| 20 | $14,888 | 6.500% | — | 3 | +$7,860 |
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 | Infinity Equity Group, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $385,000 | $335,000 | +$50,000 (+14.9%) |
| Median total closing costs | $7,028 | $7,127 | −$99 (−1.4%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
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.