Purchase Originations
141
Median Total Costs
$2,489
−62.7% vs national ($6,680)
↑ $68 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,035
Median Lender Credits
$22
Denial Rate
6.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 141 | 6.750% | $2,489 | $1,035 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,303 | 4.938% | — | 2 | −$1,186 | |
| 2 | $2,138 | 6.750% | — | 7 | −$351 | |
| 3 | $2,263 | 6.500% | — | 24 | −$226 | |
| 4 | $2,320 | 7.000% | — | 3 | −$169 | |
| 5 | $2,386 | 6.750% | — | 4 | −$103 | |
| 6 | $2,393 | 6.750% | — | 4 | −$96 | |
| 7 | $2,400 | 6.750% | — | 11 | −$89 | |
| 8 | $2,428 | 6.875% | — | 28 | −$61 | |
| 9 | $2,483 | 6.625% | — | 8 | −$6 | |
| 10 | $2,496 | 6.875% | — | 5 | +$7 | |
| 11 | $2,536 | 6.375% | — | 2 | +$47 | |
| 12 | $2,683 | 6.625% | — | 27 | +$194 | |
| 13 | $2,848 | 7.000% | — | 1 | +$359 | |
| 14 | $3,050 | 7.125% | — | 1 | +$561 | |
| 15 | $3,154 | 6.375% | — | 4 | +$665 | |
| 16 | $3,841 | 5.750% | — | 1 | +$1,352 | |
| 17 | $5,323 | 6.750% | — | 2 | +$2,834 | |
| 18 | $6,256 | 6.938% | — | 2 | +$3,767 | |
| 19 | $6,445 | 6.875% | — | 1 | +$3,956 | |
| 20 | $7,364 | 6.875% | — | 1 | +$4,875 |
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 | Lake City Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $205,000 | $335,000 | −$130,000 (−38.8%) |
| Median total closing costs | $2,489 | $7,127 | −$4,638 (−65.1%) |
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.