KINECTA closing costs and rates (2024)
In 2024, KINECTA originated 190 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $9,517. That is $2,776 above the national median of $6,741. KINECTA is most active in California with 124 originations there.
Purchase Originations
190
Median Total Costs
$9,517
+41.2% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$1,495
Median Lender Credits
$1,000
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 185 | 6.625% | $9,594 | $1,495 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 124 | 6.625% | $11,121 | #184 |
| Washington | 14 | 6.750% | $12,678 | — |
| New York | 12 | 6.875% | $4,421 | — |
| Arizona | 6 | 6.688% | $12,750 | — |
| Texas | 6 | 6.625% | $5,730 | — |
| Florida | 5 | 5.750% | $9,611 | — |
| Colorado | 4 | 7.250% | $4,571 | — |
| North Carolina | 3 | 6.500% | $5,777 | — |
| Utah | 3 | 7.000% | $16,836 | — |
| Georgia | 2 | 6.750% | $5,469 | — |
| Idaho | 2 | 6.375% | $11,658 | — |
| Montana | 2 | 6.812% | $8,150 | — |
| Kansas | 1 | 6.000% | $7,178 | — |
| Louisiana | 1 | 6.125% | $9,761 | — |
| Maryland | 1 | 6.750% | $5,116 | — |
| Missouri | 1 | 6.500% | $3,388 | — |
| New Jersey | 1 | 6.250% | $5,806 | — |
| Nevada | 1 | 5.625% | $16,719 | — |
| Ohio | 1 | 6.625% | $7,273 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,282 | 7.375% | — | 1 | −$5,235 | |
| 2 | $4,330 | 6.875% | — | 8 | −$5,187 | |
| 3 | $4,375 | 7.000% | — | 3 | −$5,142 | |
| 4 | $6,369 | 6.750% | — | 2 | −$3,148 | |
| 5 | $7,538 | 6.250% | — | 2 | −$1,979 | |
| 6 | $8,099 | 6.750% | — | 6 | −$1,418 | |
| 7 | $8,834 | 6.625% | — | 5 | −$683 | |
| 8 | $9,081 | 6.625% | — | 48 | −$436 | |
| 9 | $9,361 | 6.125% | — | 3 | −$156 | |
| 10 | $11,958 | 6.750% | — | 2 | +$2,441 | |
| 11 | $12,745 | 5.750% | — | 2 | +$3,228 | |
| 12 | $13,422 | 7.000% | — | 7 | +$3,905 | |
| 13 | $13,450 | 7.312% | — | 4 | +$3,933 | |
| 14 | $14,146 | 6.625% | — | 23 | +$4,629 | |
| 15 | $14,577 | 6.750% | — | 11 | +$5,060 | |
| 16 | $14,719 | 6.938% | — | 4 | +$5,202 | |
| 17 | $15,382 | 6.625% | — | 4 | +$5,865 | |
| 18 | $15,819 | 7.125% | — | 3 | +$6,302 | |
| 19 | $17,754 | 7.375% | — | 5 | +$8,237 | |
| 20 | $21,428 | 6.750% | — | 2 | +$11,911 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.