Purchase Originations
1,017
Ranked #374 nationally
Median Total Costs
$8,826
+32.1% vs national ($6,680)
↑ $282 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$3,920
Median Lender Credits
$508
Cost Rank (500+ vol.)
#491
among lenders with 500+ originations
Denial Rate
3.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 673 | 6.625% | $6,996 | $3,898 |
| fha | 250 | 6.250% | $14,912 | $3,966 |
| va | 86 | 6.125% | $10,710 | $3,479 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Oregon | 839 | 6.500% | $8,981 | #8 |
| Washington | 161 | 6.625% | $8,193 | #75 |
| Idaho | 8 | 6.183% | $10,131 | — |
| Arizona | 4 | 6.740% | $10,217 | — |
| California | 3 | 6.490% | $6,681 | — |
| Utah | 2 | 6.375% | $5,593 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,282 | 6.688% | — | 36 | −$2,544 | |
| 2 | $6,424 | 6.625% | — | 57 | −$2,402 | |
| 3 | $7,863 | 6.625% | — | 9 | −$963 | |
| 4 | $8,173 | 6.375% | — | 12 | −$653 | |
| 5 | $8,396 | 6.500% | — | 158 | −$430 | |
| 6 | $8,572 | 6.625% | — | 184 | −$254 | |
| 7 | $8,885 | 6.490% | — | 26 | +$59 | |
| 8 | $8,959 | 6.188% | — | 6 | +$133 | |
| 9 | $9,020 | 6.625% | — | 7 | +$194 | |
| 10 | $9,048 | 6.500% | — | 55 | +$222 | |
| 11 | $9,098 | 6.562% | — | 78 | +$272 | |
| 12 | $9,102 | 6.625% | — | 11 | +$276 | |
| 13 | $9,132 | 6.375% | — | 42 | +$306 | |
| 14 | $9,430 | 6.188% | — | 6 | +$604 | |
| 15 | $9,642 | 6.500% | — | 112 | +$816 | |
| 16 | $9,953 | 6.490% | — | 49 | +$1,127 | |
| 17 | $10,029 | 6.490% | — | 27 | +$1,203 | |
| 18 | $10,471 | 6.250% | — | 8 | +$1,645 | |
| 19 | $10,475 | 6.312% | — | 8 | +$1,649 | |
| 20 | $11,548 | 6.500% | — | 74 | +$2,722 |
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 Express, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $415,000 | $335,000 | +$80,000 (+23.9%) |
| Median total closing costs | $8,826 | $7,127 | +$1,699 (+23.8%) |
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.