Purchase Originations
218
Median Total Costs
$6,953
+4.1% vs national ($6,680)
↓ $414 vs prior year
Median Rate
6.000%
−7.5% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$3,481
Median Lender Credits
$1,200
Denial Rate
0.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 218 | 6.000% | $6,953 | $3,481 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 218 | 6.000% | $6,953 | #143 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,841 | 6.125% | — | 1 | −$3,112 | |
| 2 | $4,599 | 7.000% | — | 1 | −$2,354 | |
| 3 | $4,712 | 5.750% | — | 1 | −$2,241 | |
| 4 | $4,755 | 6.562% | — | 30 | −$2,198 | |
| 5 | $5,001 | 6.000% | — | 1 | −$1,952 | |
| 6 | $5,030 | 6.500% | — | 2 | −$1,923 | |
| 7 | $5,686 | 7.000% | — | 3 | −$1,267 | |
| 8 | $5,841 | 5.875% | — | 29 | −$1,112 | |
| 9 | $6,840 | 5.938% | — | 2 | −$113 | |
| 10 | $7,805 | 6.125% | — | 2 | +$852 | |
| 11 | $9,368 | 5.875% | — | 142 | +$2,415 | |
| 12 | $13,008 | 6.375% | — | 1 | +$6,055 | |
| 13 | $18,950 | 5.562% | — | 2 | +$11,997 | |
| 14 | $21,427 | 5.750% | — | 1 | +$14,474 |
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 | Safe | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $575,000 | $335,000 | +$240,000 (+71.6%) |
| Median total closing costs | $6,953 | $7,127 | −$174 (−2.4%) |
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.