Purchase Originations
656
Ranked #527 nationally
Median Total Costs
$4,586
−31.4% vs national ($6,680)
↑ $223 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$567
Median Lender Credits
$344
Cost Rank (500+ vol.)
#156
among lenders with 500+ originations
Denial Rate
0.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 614 | 6.375% | $4,497 | $633 |
| va | 42 | 6.000% | $8,705 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Washington | 568 | 6.375% | $4,626 | #29 |
| Oregon | 73 | 6.490% | $3,746 | #80 |
| California | 8 | 6.312% | $8,069 | — |
| Idaho | 6 | 5.875% | $3,445 | — |
| Colorado | 1 | 5.500% | $9,950 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,941 | 6.250% | — | 11 | −$1,645 | |
| 2 | $3,082 | 6.312% | — | 4 | −$1,504 | |
| 3 | $3,115 | 6.438% | — | 4 | −$1,471 | |
| 4 | $3,654 | 6.250% | — | 6 | −$932 | |
| 5 | $3,698 | 6.375% | — | 20 | −$888 | |
| 6 | $3,770 | 6.500% | — | 7 | −$816 | |
| 7 | $3,813 | 6.500% | — | 9 | −$773 | |
| 8 | $4,114 | 6.375% | — | 44 | −$472 | |
| 9 | $4,156 | 6.125% | — | 5 | −$430 | |
| 10 | $4,239 | 6.625% | — | 7 | −$347 | |
| 11 | $4,406 | 6.500% | — | 21 | −$180 | |
| 12 | $4,415 | 6.375% | — | 47 | −$171 | |
| 13 | $4,435 | 6.625% | — | 4 | −$151 | |
| 14 | $4,501 | 6.375% | — | 69 | −$85 | |
| 15 | $4,563 | 6.562% | — | 6 | −$23 | |
| 16 | $4,732 | 6.375% | — | 316 | +$146 | |
| 17 | $5,887 | 6.375% | — | 5 | +$1,301 | |
| 18 | $6,710 | 6.812% | — | 4 | +$2,124 | |
| 19 | $8,533 | 5.688% | — | 4 | +$3,947 | |
| 20 | $10,449 | 6.375% | — | 5 | +$5,863 |
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 | Sammamish Mortgage Company | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $555,000 | $335,000 | +$220,000 (+65.7%) |
| Median total closing costs | $4,586 | $7,127 | −$2,541 (−35.7%) |
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.