Purchase Originations
174
Median Total Costs
$4,055
−39.3% vs national ($6,680)
↑ $1,158 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$1,321
Median Lender Credits
$70
Denial Rate
1.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 108 | 6.490% | $2,907 | $1,178 |
| fha | 52 | 6.188% | $7,376 | $1,475 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Colorado | 70 | 6.375% | $1,881 | #132 |
| Washington | 29 | 6.125% | $10,095 | — |
| Utah | 23 | 6.250% | $7,639 | — |
| Nebraska | 19 | 6.625% | $2,753 | — |
| Missouri | 8 | 6.490% | $3,421 | — |
| Illinois | 6 | 6.433% | $5,058 | — |
| Kansas | 5 | 5.990% | $6,573 | — |
| Idaho | 4 | 5.688% | $12,866 | — |
| Wyoming | 3 | 6.250% | $3,853 | — |
| Iowa | 2 | 6.995% | $2,488 | — |
| Vermont | 2 | 6.438% | $7,928 | — |
| California | 1 | 6.750% | $4,383 | — |
| Florida | 1 | 6.625% | $2,963 | — |
| Massachusetts | 1 | 6.500% | $6,842 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $700 | 6.375% | — | 26 | −$3,355 | |
| 2 | $700 | 5.500% | — | 5 | −$3,355 | |
| 3 | $825 | 6.490% | — | 11 | −$3,230 | |
| 4 | $1,360 | 6.000% | — | 2 | −$2,695 | |
| 5 | $2,488 | 6.995% | — | 2 | −$1,567 | |
| 6 | $2,618 | 6.495% | — | 10 | −$1,437 | |
| 7 | $2,753 | 6.875% | — | 3 | −$1,302 | |
| 8 | $2,943 | 6.812% | — | 2 | −$1,112 | |
| 9 | $2,970 | 6.490% | — | 5 | −$1,085 | |
| 10 | $4,278 | 6.250% | — | 7 | +$223 | |
| 11 | $4,281 | 6.500% | — | 3 | +$226 | |
| 12 | $4,496 | 6.375% | — | 2 | +$441 | |
| 13 | $4,602 | 6.125% | — | 3 | +$547 | |
| 14 | $5,433 | 6.062% | — | 2 | +$1,378 | |
| 15 | $5,468 | 6.562% | — | 2 | +$1,413 | |
| 16 | $5,580 | 6.312% | — | 4 | +$1,525 | |
| 17 | $5,767 | 6.250% | — | 2 | +$1,712 | |
| 18 | $7,824 | 6.250% | — | 19 | +$3,769 | |
| 19 | $8,682 | 6.125% | — | 15 | +$4,627 | |
| 20 | $11,658 | 6.250% | — | 12 | +$7,603 |
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 | Pivot Financial Partners, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $340,000 | $335,000 | +$5,000 (+1.5%) |
| Median total closing costs | $4,055 | $7,127 | −$3,072 (−43.1%) |
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.