Purchase Originations
184
Median Total Costs
$5,524
−17.3% vs national ($6,680)
↑ $59 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$3,070
Median Lender Credits
$688
Denial Rate
4.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 184 | 6.625% | $5,524 | $3,070 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Oregon | 177 | 6.625% | $5,493 | #46 |
| Washington | 7 | 6.500% | $6,264 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,832 | 7.000% | — | 1 | −$2,692 | |
| 2 | $4,348 | 6.625% | — | 7 | −$1,176 | |
| 3 | $4,718 | 6.500% | — | 2 | −$806 | |
| 4 | $4,919 | 7.625% | — | 1 | −$605 | |
| 5 | $5,046 | 6.500% | — | 15 | −$478 | |
| 6 | $5,437 | 6.750% | — | 1 | −$87 | |
| 7 | $5,460 | 6.562% | — | 4 | −$64 | |
| 8 | $5,503 | 6.625% | — | 100 | −$21 | |
| 9 | $5,516 | 7.000% | — | 2 | −$8 | |
| 10 | $5,775 | 6.625% | — | 7 | +$251 | |
| 11 | $5,825 | 7.500% | — | 1 | +$301 | |
| 12 | $5,892 | 6.875% | — | 8 | +$368 | |
| 13 | $6,182 | 6.500% | — | 15 | +$658 | |
| 14 | $6,360 | 6.875% | — | 2 | +$836 | |
| 15 | $6,866 | 6.250% | — | 8 | +$1,342 | |
| 16 | $7,019 | 7.000% | — | 3 | +$1,495 | |
| 17 | $7,104 | 6.500% | — | 2 | +$1,580 | |
| 18 | $7,374 | 6.625% | — | 1 | +$1,850 | |
| 19 | $7,661 | 6.562% | — | 2 | +$2,137 | |
| 20 | $9,887 | 7.000% | — | 1 | +$4,363 |
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 | Oregon Community | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $365,000 | $335,000 | +$30,000 (+9.0%) |
| Median total closing costs | $5,524 | $7,127 | −$1,603 (−22.5%) |
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.