Purchase Originations
202
Median Total Costs
$8,403
+25.8% vs national ($6,680)
↑ $529 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$2,979
Median Lender Credits
$242
Denial Rate
1.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 106 | 6.812% | $5,880 | $3,547 |
| fha | 73 | 6.250% | $12,909 | $4,153 |
| va | 20 | 6.438% | $4,090 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Oregon | 183 | 6.500% | $8,424 | #45 |
| Washington | 17 | 6.625% | $8,249 | — |
| Idaho | 2 | 7.000% | $3,576 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,679 | 6.750% | — | 2 | −$5,724 | |
| 2 | $3,868 | 5.250% | — | 1 | −$4,535 | |
| 3 | $4,069 | 6.500% | — | 13 | −$4,334 | |
| 4 | $4,161 | 6.625% | — | 3 | −$4,242 | |
| 5 | $6,017 | 7.058% | — | 2 | −$2,386 | |
| 6 | $6,454 | 6.625% | — | 7 | −$1,949 | |
| 7 | $6,818 | 6.990% | — | 1 | −$1,585 | |
| 8 | $7,161 | 6.500% | — | 15 | −$1,242 | |
| 9 | $7,205 | 6.688% | — | 6 | −$1,198 | |
| 10 | $7,435 | 6.812% | — | 2 | −$968 | |
| 11 | $8,025 | 6.688% | — | 16 | −$378 | |
| 12 | $8,793 | 6.375% | — | 15 | +$390 | |
| 13 | $9,190 | 6.312% | — | 2 | +$787 | |
| 14 | $9,364 | 6.375% | — | 21 | +$961 | |
| 15 | $9,402 | 6.500% | — | 58 | +$999 | |
| 16 | $9,459 | 6.375% | — | 2 | +$1,056 | |
| 17 | $9,848 | 6.625% | — | 16 | +$1,445 | |
| 18 | $10,120 | 6.620% | — | 4 | +$1,717 | |
| 19 | $11,568 | 6.500% | — | 1 | +$3,165 | |
| 20 | $14,148 | 6.625% | — | 3 | +$5,745 |
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 | LPMC, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $370,000 | $335,000 | +$35,000 (+10.4%) |
| Median total closing costs | $8,403 | $7,127 | +$1,276 (+17.9%) |
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.