Purchase Originations
1,429
Ranked #292 nationally
Median Total Costs
$6,008
−10.1% vs national ($6,680)
↓ $861 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$2,150
Median Lender Credits
$548
Cost Rank (500+ vol.)
#278
among lenders with 500+ originations
Denial Rate
2.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,054 | 6.625% | $5,396 | $1,995 |
| fha | 256 | 6.250% | $12,299 | $2,295 |
| va | 101 | 6.250% | $7,090 | $1,895 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Massachusetts | 324 | 6.625% | $6,496 | #36 |
| South Carolina | 286 | 6.624% | $5,526 | #58 |
| Maine | 270 | 6.625% | $5,628 | #11 |
| New Hampshire | 192 | 6.500% | $5,020 | #15 |
| Florida | 176 | 6.500% | $6,715 | #172 |
| Connecticut | 108 | 6.625% | $5,678 | #48 |
| Rhode Island | 30 | 6.812% | $7,131 | — |
| Maryland | 21 | 6.250% | $11,704 | — |
| Georgia | 10 | 6.562% | $4,838 | — |
| North Carolina | 9 | 6.490% | $4,850 | — |
| Virginia | 2 | 6.438% | $9,952 | — |
| New Jersey | 1 | 6.500% | $8,808 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,762 | 6.624% | — | 60 | −$1,246 | |
| 2 | $4,986 | 6.625% | — | 67 | −$1,022 | |
| 3 | $5,012 | 6.500% | — | 40 | −$996 | |
| 4 | $5,054 | 6.625% | — | 45 | −$954 | |
| 5 | $5,202 | 6.625% | — | 80 | −$806 | |
| 6 | $5,265 | 6.625% | — | 37 | −$743 | |
| 7 | $5,366 | 6.375% | — | 24 | −$642 | |
| 8 | $5,468 | 6.750% | — | 27 | −$540 | |
| 9 | $5,705 | 6.625% | — | 169 | −$303 | |
| 10 | $5,734 | 6.625% | — | 76 | −$274 | |
| 11 | $5,952 | 6.624% | — | 42 | −$56 | |
| 12 | $6,461 | 6.625% | — | 88 | +$453 | |
| 13 | $6,492 | 6.500% | — | 47 | +$484 | |
| 14 | $6,515 | 6.500% | — | 22 | +$507 | |
| 15 | $6,631 | 6.500% | — | 27 | +$623 | |
| 16 | $6,853 | 6.750% | — | 33 | +$845 | |
| 17 | $6,938 | 6.624% | — | 61 | +$930 | |
| 18 | $7,147 | 6.562% | — | 20 | +$1,139 | |
| 19 | $7,590 | 6.500% | — | 35 | +$1,582 | |
| 20 | $8,763 | 6.625% | — | 64 | +$2,755 |
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 | Northpoint Mortgage, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $385,000 | $335,000 | +$50,000 (+14.9%) |
| Median total closing costs | $6,008 | $7,127 | −$1,119 (−15.7%) |
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.