Purchase Originations
288
Median Total Costs
$13,159
+97.0% vs national ($6,680)
↓ $1,105 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$6,771
Median Lender Credits
$150
Denial Rate
0.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 126 | 6.750% | $9,923 | $6,566 |
| fha | 114 | 6.433% | $16,141 | $6,696 |
| va | 48 | 6.250% | $18,009 | $7,909 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 217 | 6.500% | $13,849 | #144 |
| Tennessee | 13 | 6.490% | $12,733 | — |
| Arizona | 12 | 6.750% | $9,807 | — |
| Hawaii | 9 | 6.250% | $14,432 | — |
| Texas | 9 | 6.490% | $11,951 | — |
| Florida | 8 | 6.625% | $8,327 | — |
| Nevada | 6 | 6.500% | $13,863 | — |
| Washington | 4 | 6.625% | $12,409 | — |
| Idaho | 2 | 6.375% | $22,327 | — |
| Kansas | 2 | 6.938% | $7,068 | — |
| Alaska | 1 | 6.250% | $20,051 | — |
| Alabama | 1 | 5.750% | $4,010 | — |
| Illinois | 1 | 6.750% | $8,951 | — |
| North Carolina | 1 | 6.250% | $18,431 | — |
| Oregon | 1 | 7.375% | $12,642 | — |
| South Carolina | 1 | 5.750% | $15,661 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $7,077 | 6.990% | — | 3 | −$6,082 | |
| 2 | $8,536 | 6.688% | — | 2 | −$4,623 | |
| 3 | $9,413 | 6.875% | — | 7 | −$3,746 | |
| 4 | $10,788 | 7.125% | — | 7 | −$2,371 | |
| 5 | $11,695 | 6.125% | — | 2 | −$1,464 | |
| 6 | $11,896 | 6.625% | — | 12 | −$1,263 | |
| 7 | $12,013 | 6.750% | — | 15 | −$1,146 | |
| 8 | $13,255 | 6.500% | — | 90 | +$96 | |
| 9 | $13,372 | 6.688% | — | 2 | +$213 | |
| 10 | $13,839 | 6.058% | — | 2 | +$680 | |
| 11 | $13,863 | 6.500% | — | 6 | +$704 | |
| 12 | $14,298 | 6.250% | — | 8 | +$1,139 | |
| 13 | $14,443 | 6.620% | — | 2 | +$1,284 | |
| 14 | $14,565 | 6.438% | — | 6 | +$1,406 | |
| 15 | $15,378 | 6.624% | — | 49 | +$2,219 | |
| 16 | $16,491 | 6.500% | — | 2 | +$3,332 | |
| 17 | $17,499 | 6.188% | — | 16 | +$4,340 | |
| 18 | $17,680 | 6.312% | — | 12 | +$4,521 | |
| 19 | $26,361 | 6.870% | — | 2 | +$13,202 | |
| 20 | $26,934 | 6.250% | — | 3 | +$13,775 |
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 | Pacific Lending LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $395,000 | $335,000 | +$60,000 (+17.9%) |
| Median total closing costs | $13,159 | $7,127 | +$6,032 (+84.6%) |
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.