Purchase Originations
35,124
Ranked #13 nationally
Median Total Costs
$9,119
+36.5% vs national ($6,680)
↑ $547 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$2,183
Median Lender Credits
$322
Cost Rank (500+ vol.)
#507
among lenders with 500+ originations
Denial Rate
11.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 17,400 | 6.500% | $6,425 | $2,280 |
| fha | 13,383 | 5.875% | $12,316 | $2,176 |
| va | 4,147 | 5.625% | $9,392 | $1,816 |
| usda | 194 | 6.375% | $6,530 | $1,643 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 5,072 | 4.990% | $10,495 | #12 |
| California | 3,588 | 6.125% | $11,561 | #12 |
| Florida | 3,443 | 5.750% | $10,506 | #9 |
| Arizona | 2,245 | 4.990% | $12,449 | #7 |
| Illinois | 2,007 | 6.750% | $8,904 | #9 |
| New Jersey | 1,624 | 6.575% | $6,429 | #6 |
| North Carolina | 1,596 | 5.375% | $9,432 | #15 |
| Georgia | 1,476 | 5.375% | $10,421 | #13 |
| Ohio | 1,412 | 6.625% | $5,912 | #17 |
| South Carolina | 1,372 | 4.990% | $9,513 | #10 |
| New York | 959 | 6.575% | $6,296 | #24 |
| Colorado | 906 | 5.490% | $11,258 | #15 |
| Tennessee | 875 | 5.250% | $10,168 | #16 |
| Washington | 695 | 6.375% | $9,258 | #25 |
| Pennsylvania | 661 | 6.625% | $6,996 | #31 |
| West Virginia | 616 | 6.430% | $5,925 | #3 |
| Massachusetts | 570 | 6.750% | $5,949 | #19 |
| Minnesota | 512 | 6.625% | $8,048 | #29 |
| Idaho | 496 | 6.125% | $14,757 | #7 |
| Nevada | 487 | 6.250% | $11,198 | #14 |
| Oregon | 481 | 6.500% | $9,967 | #21 |
| Virginia | 395 | 6.375% | $6,411 | #51 |
| Alabama | 359 | 5.990% | $8,598 | #34 |
| Indiana | 299 | 6.750% | $6,271 | #56 |
| New Mexico | 262 | 6.500% | $9,445 | #17 |
| Delaware | 241 | 6.750% | $5,094 | #13 |
| Utah | 241 | 5.875% | $12,438 | #33 |
| Wisconsin | 215 | 6.625% | $7,060 | #54 |
| Maryland | 213 | 6.375% | $8,918 | #61 |
| Mississippi | 198 | 6.250% | $7,882 | #27 |
| New Hampshire | 178 | 6.750% | $4,601 | #17 |
| Michigan | 175 | 6.750% | $6,134 | #84 |
| Louisiana | 166 | 6.580% | $7,663 | #42 |
| Missouri | 155 | 6.625% | $6,595 | #67 |
| Oklahoma | 131 | 6.125% | $8,551 | #61 |
| Connecticut | 130 | 6.625% | $7,139 | #43 |
| Rhode Island | 117 | 6.750% | $9,058 | #21 |
| Hawaii | 115 | 6.250% | $14,346 | #18 |
| Kansas | 73 | 6.490% | $6,742 | #83 |
| Maine | 71 | 6.750% | $4,997 | #32 |
| Kentucky | 61 | 6.750% | $6,923 | #104 |
| North Dakota | 60 | 6.375% | $7,298 | #27 |
| Alaska | 49 | 6.375% | $8,645 | — |
| Arkansas | 37 | 6.625% | $6,986 | — |
| Iowa | 23 | 6.750% | $7,096 | — |
| Nebraska | 19 | 6.575% | $5,727 | — |
| Montana | 12 | 6.433% | $7,959 | — |
| District of Columbia | 11 | 6.125% | $6,361 | — |
| Vermont | 10 | 6.750% | $7,210 | — |
| Wyoming | 9 | 6.375% | $6,477 | — |
| South Dakota | 6 | 6.370% | $5,646 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,486 | 6.625% | — | 266 | −$3,633 | |
| 2 | $5,848 | 6.575% | — | 307 | −$3,271 | |
| 3 | $6,416 | 6.125% | — | 338 | −$2,703 | |
| 4 | $6,545 | 6.500% | — | 405 | −$2,574 | |
| 5 | $9,574 | 4.990% | — | 685 | +$455 | |
| 6 | $9,940 | 4.750% | — | 345 | +$821 | |
| 7 | $10,145 | 6.750% | — | 1,094 | +$1,026 | |
| 8 | $10,315 | 5.750% | — | 505 | +$1,196 | |
| 9 | $10,532 | 4.990% | — | 496 | +$1,413 | |
| 10 | $10,588 | 4.990% | — | 451 | +$1,469 | |
| 11 | $10,951 | 6.490% | — | 414 | +$1,832 | |
| 12 | $11,241 | 4.990% | — | 680 | +$2,122 | |
| 13 | $11,366 | 6.250% | — | 432 | +$2,247 | |
| 14 | $11,750 | 4.750% | — | 546 | +$2,631 | |
| 15 | $12,247 | 6.250% | — | 441 | +$3,128 | |
| 16 | $12,578 | 4.990% | — | 541 | +$3,459 | |
| 17 | $12,879 | 5.750% | — | 283 | +$3,760 | |
| 18 | $13,767 | 4.990% | — | 929 | +$4,648 | |
| 19 | $13,836 | 5.750% | — | 353 | +$4,717 | |
| 20 | $15,001 | 5.990% | — | 592 | +$5,882 |
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 | Loandepot.com, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $345,000 | $335,000 | +$10,000 (+3.0%) |
| Median total closing costs | $9,119 | $7,127 | +$1,992 (+28.0%) |
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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.