Purchase Originations
278
Median Total Costs
$10,303
+54.2% vs national ($6,680)
↓ $738 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$2,888
Median Lender Credits
$1,100
Denial Rate
0.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 240 | 6.625% | $9,166 | $2,888 |
| fha | 38 | 6.125% | $19,648 | $2,627 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 266 | 6.625% | $10,440 | #123 |
| Tennessee | 3 | 6.375% | $4,858 | — |
| Oregon | 2 | 6.245% | $3,916 | — |
| Florida | 1 | 6.500% | $14,196 | — |
| Idaho | 1 | 6.375% | $3,738 | — |
| New Jersey | 1 | 6.750% | $3,943 | — |
| Pennsylvania | 1 | 6.375% | $7,456 | — |
| Texas | 1 | 6.125% | $7,713 | — |
| Virginia | 1 | 6.625% | $4,045 | — |
| Washington | 1 | 6.750% | $6,521 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,738 | 6.375% | — | 1 | −$6,565 | |
| 2 | $3,943 | 6.750% | — | 1 | −$6,360 | |
| 3 | $4,094 | 5.990% | — | 1 | −$6,209 | |
| 4 | $4,368 | 6.000% | — | 1 | −$5,935 | |
| 5 | $4,479 | 6.125% | — | 1 | −$5,824 | |
| 6 | $5,277 | 6.500% | — | 2 | −$5,026 | |
| 7 | $5,435 | 5.990% | — | 1 | −$4,868 | |
| 8 | $7,289 | 5.990% | — | 1 | −$3,014 | |
| 9 | $8,625 | 6.375% | — | 3 | −$1,678 | |
| 10 | $8,803 | 6.750% | — | 1 | −$1,500 | |
| 11 | $8,834 | 6.625% | — | 16 | −$1,469 | |
| 12 | $8,936 | 7.000% | — | 1 | −$1,367 | |
| 13 | $9,608 | 6.688% | — | 4 | −$695 | |
| 14 | $9,995 | 6.562% | — | 14 | −$308 | |
| 15 | $10,766 | 6.625% | — | 213 | +$463 | |
| 16 | $12,762 | 7.750% | — | 1 | +$2,459 | |
| 17 | $14,196 | 6.500% | — | 1 | +$3,893 | |
| 18 | $14,373 | 6.375% | — | 5 | +$4,070 | |
| 19 | $24,802 | 5.875% | — | 1 | +$14,499 | |
| 20 | $26,908 | 7.125% | — | 1 | +$16,605 |
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 | Mortgage Capital Partners, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $650,000 | $335,000 | +$315,000 (+94.0%) |
| Median total closing costs | $10,303 | $7,127 | +$3,176 (+44.6%) |
Other high-volume lenders side-by-side.
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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.