LOANDEPOT.COM, LLC closing costs and rates (2024)
In 2024, LOANDEPOT.COM, LLC originated 36,916 purchase mortgages at a median interest rate of 6.38% and median total closing costs of $8,572. That ranks #13 nationally by origination volume. For total closing costs among lenders with 500+ originations, LOANDEPOT.COM, LLC ranks #477. That is $1,831 above the national median of $6,741. LOANDEPOT.COM, LLC is most active in Texas with 6,289 originations there.
Purchase Originations
36,916
Ranked #13 nationally
Median Total Costs
$8,572
+27.2% vs national ($6,741)
Median Rate
6.375%
−3.7% vs national (6.620%)
Median Origination
$2,170
Median Lender Credits
$1,504
Cost Rank (500+ vol.)
#477
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 20,710 | 6.625% | $6,260 | $2,279 |
| fha | 12,303 | 6.125% | $11,801 | $2,110 |
| va | 3,766 | 5.990% | $9,817 | $1,617 |
| usda | 137 | 6.625% | $6,210 | $1,975 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 6,289 | 5.990% | $9,528 | #8 |
| California | 4,907 | 6.375% | $11,173 | #7 |
| Florida | 3,720 | 6.375% | $9,498 | #9 |
| Arizona | 2,580 | 5.625% | $10,564 | #5 |
| Illinois | 2,027 | 6.990% | $8,763 | #9 |
| North Carolina | 1,724 | 5.990% | $7,639 | #14 |
| New Jersey | 1,432 | 6.625% | $6,245 | #7 |
| Colorado | 1,222 | 5.990% | $10,431 | #10 |
| Ohio | 1,175 | 6.750% | $5,666 | #20 |
| Georgia | 1,069 | 5.990% | $9,615 | #20 |
| South Carolina | 1,033 | 5.750% | $8,220 | #12 |
| New York | 866 | 6.625% | $5,947 | #25 |
| Washington | 820 | 6.500% | $7,592 | #22 |
| Tennessee | 716 | 6.188% | $8,926 | #23 |
| Nevada | 705 | 6.500% | $10,074 | #10 |
| Minnesota | 671 | 6.625% | $7,558 | #21 |
| Oregon | 598 | 6.625% | $9,905 | #15 |
| Pennsylvania | 553 | 6.750% | $6,857 | #38 |
| West Virginia | 543 | 6.270% | $5,766 | #5 |
| Virginia | 533 | 6.625% | $6,078 | #41 |
| Massachusetts | 464 | 6.875% | $5,577 | #22 |
| Idaho | 419 | 6.250% | $13,146 | #9 |
| Delaware | 239 | 6.875% | $4,776 | #12 |
| Maryland | 232 | 6.537% | $7,992 | #59 |
| Wisconsin | 226 | 6.875% | $5,317 | #51 |
| New Mexico | 224 | 6.500% | $9,070 | #20 |
| Indiana | 206 | 6.875% | $5,479 | #81 |
| Alabama | 171 | 6.625% | $6,210 | #61 |
| Michigan | 170 | 6.750% | $5,426 | #86 |
| Utah | 168 | 5.990% | $11,916 | #40 |
| Hawaii | 153 | 6.625% | $15,650 | #13 |
| Connecticut | 132 | 6.990% | $7,808 | #42 |
| New Hampshire | 120 | 6.812% | $4,473 | #20 |
| Kansas | 109 | 6.750% | $5,745 | #61 |
| Rhode Island | 106 | 6.990% | $8,421 | #24 |
| Oklahoma | 96 | 6.188% | $7,287 | #71 |
| Missouri | 78 | 6.750% | $6,353 | #115 |
| Alaska | 76 | 6.750% | $8,574 | #17 |
| Louisiana | 73 | 6.625% | $7,562 | #63 |
| Kentucky | 56 | 6.750% | $5,771 | #107 |
| Maine | 36 | 6.625% | $7,728 | — |
| Mississippi | 34 | 6.250% | $8,245 | — |
| Iowa | 29 | 6.750% | $6,513 | — |
| North Dakota | 23 | 6.750% | $7,030 | — |
| Arkansas | 21 | 6.990% | $4,913 | — |
| District of Columbia | 21 | 6.250% | $7,889 | — |
| Montana | 16 | 6.562% | $5,898 | — |
| Vermont | 14 | 6.625% | $7,954 | — |
| Nebraska | 9 | 6.500% | $3,893 | — |
| Wyoming | 8 | 6.688% | $6,299 | — |
| South Dakota | 4 | 6.125% | $4,004 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,296 | 6.625% | — | 424 | −$2,276 | |
| 2 | $7,248 | 6.375% | — | 371 | −$1,324 | |
| 3 | $8,333 | 5.990% | — | 388 | −$239 | |
| 4 | $8,806 | 5.500% | — | 675 | +$234 | |
| 5 | $9,008 | 5.875% | — | 368 | +$436 | |
| 6 | $9,470 | 6.125% | — | 936 | +$898 | |
| 7 | $9,521 | 6.990% | — | 1,205 | +$949 | |
| 8 | $9,656 | 5.990% | — | 491 | +$1,084 | |
| 9 | $9,665 | 5.500% | — | 413 | +$1,093 | |
| 10 | $9,817 | 6.125% | — | 411 | +$1,245 | |
| 11 | $10,166 | 5.562% | — | 652 | +$1,594 | |
| 12 | $10,218 | 6.500% | — | 633 | +$1,646 | |
| 13 | $10,221 | 5.500% | — | 691 | +$1,649 | |
| 14 | $10,291 | 6.125% | — | 768 | +$1,719 | |
| 15 | $11,049 | 6.625% | — | 438 | +$2,477 | |
| 16 | $11,226 | 5.875% | — | 1,167 | +$2,654 | |
| 17 | $12,277 | 6.625% | — | 439 | +$3,705 | |
| 18 | $12,651 | 6.125% | — | 341 | +$4,079 | |
| 19 | $12,831 | 6.375% | — | 406 | +$4,259 | |
| 20 | $13,530 | 6.125% | — | 1,061 | +$4,958 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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 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.