Purchase Originations
4,228
Ranked #114 nationally
Median Total Costs
$6,904
+3.4% vs national ($6,680)
↓ $552 vs prior year
Median Rate
6.600%
+1.7% vs national (6.490%)
↓ 0.150% vs prior year
Median Origination
$1,640
Median Lender Credits
$175
Cost Rank (500+ vol.)
#361
among lenders with 500+ originations
Denial Rate
2.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 3,751 | 6.625% | $6,765 | $1,640 |
| fha | 260 | 6.200% | $13,253 | $1,640 |
| va | 208 | 5.990% | $6,769 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Illinois | 1,290 | 6.625% | $6,701 | #17 |
| California | 827 | 6.625% | $8,073 | #48 |
| Washington | 604 | 6.562% | $6,748 | #28 |
| Texas | 252 | 6.375% | $8,897 | #174 |
| Colorado | 242 | 6.275% | $6,264 | #66 |
| North Carolina | 239 | 6.375% | $5,020 | #98 |
| Maryland | 227 | 6.375% | $7,734 | #55 |
| Florida | 69 | 6.750% | $8,690 | #278 |
| Indiana | 54 | 6.750% | $3,988 | #168 |
| Virginia | 48 | 6.500% | $6,346 | — |
| District of Columbia | 47 | 6.525% | $8,083 | — |
| Wyoming | 40 | 6.688% | $5,097 | — |
| South Carolina | 33 | 6.500% | $5,581 | — |
| Massachusetts | 26 | 6.500% | $7,435 | — |
| Tennessee | 23 | 6.500% | $7,733 | — |
| Idaho | 22 | 6.812% | $7,078 | — |
| Michigan | 20 | 6.487% | $4,421 | — |
| New Hampshire | 20 | 6.500% | $6,945 | — |
| Wisconsin | 19 | 6.625% | $3,583 | — |
| Pennsylvania | 18 | 6.750% | $7,581 | — |
| Connecticut | 16 | 6.875% | $6,411 | — |
| Hawaii | 15 | 6.875% | $12,430 | — |
| Kansas | 15 | 6.250% | $8,573 | — |
| Louisiana | 14 | 5.990% | $9,181 | — |
| Arizona | 8 | 6.312% | $7,380 | — |
| Georgia | 7 | 5.990% | $6,251 | — |
| Ohio | 6 | 6.683% | $8,087 | — |
| Missouri | 5 | 6.375% | $5,032 | — |
| New Jersey | 5 | 6.625% | $6,973 | — |
| West Virginia | 5 | 6.375% | $7,544 | — |
| Oregon | 4 | 6.375% | $6,154 | — |
| Arkansas | 2 | 6.300% | $7,739 | — |
| Minnesota | 2 | 6.812% | $7,429 | — |
| Oklahoma | 2 | 6.138% | $5,323 | — |
| Delaware | 1 | 6.875% | $5,969 | — |
| Iowa | 1 | 7.125% | $3,660 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,955 | 6.325% | — | 68 | −$1,949 | |
| 2 | $5,027 | 6.500% | — | 70 | −$1,877 | |
| 3 | $5,088 | 6.362% | — | 66 | −$1,816 | |
| 4 | $5,448 | 6.250% | — | 49 | −$1,456 | |
| 5 | $5,466 | 6.375% | — | 53 | −$1,438 | |
| 6 | $6,582 | 6.612% | — | 92 | −$322 | |
| 7 | $6,616 | 6.625% | — | 141 | −$288 | |
| 8 | $6,667 | 6.750% | — | 119 | −$237 | |
| 9 | $6,723 | 6.525% | — | 390 | −$181 | |
| 10 | $6,750 | 6.625% | — | 906 | −$154 | |
| 11 | $7,055 | 6.750% | — | 79 | +$151 | |
| 12 | $7,530 | 6.750% | — | 45 | +$626 | |
| 13 | $7,830 | 6.500% | — | 54 | +$926 | |
| 14 | $7,932 | 6.750% | — | 72 | +$1,028 | |
| 15 | $8,083 | 6.525% | — | 47 | +$1,179 | |
| 16 | $8,300 | 6.500% | — | 44 | +$1,396 | |
| 17 | $9,556 | 6.625% | — | 54 | +$2,652 | |
| 18 | $9,768 | 6.750% | — | 157 | +$2,864 | |
| 19 | $11,117 | 6.562% | — | 78 | +$4,213 | |
| 20 | $11,511 | 6.100% | — | 84 | +$4,607 |
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 | Originpoint LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $525,000 | $335,000 | +$190,000 (+56.7%) |
| Median total closing costs | $6,904 | $7,127 | −$223 (−3.1%) |
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.