Purchase Originations
119
Median Total Costs
$5,001
−25.1% vs national ($6,680)
↑ $34 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,260
Median Lender Credits
$502
Denial Rate
5.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 119 | 6.125% | $5,001 | $1,260 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Oregon | 119 | 6.125% | $5,001 | #66 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,486 | 6.125% | — | 2 | −$1,515 | |
| 2 | $3,597 | 6.250% | — | 1 | −$1,404 | |
| 3 | $3,931 | 6.625% | — | 1 | −$1,070 | |
| 4 | $4,279 | 6.250% | — | 2 | −$722 | |
| 5 | $4,564 | 6.875% | — | 1 | −$437 | |
| 6 | $4,970 | 6.250% | — | 64 | −$31 | |
| 7 | $5,158 | 6.125% | — | 30 | +$157 | |
| 8 | $5,163 | 5.938% | — | 6 | +$162 | |
| 9 | $5,192 | 6.625% | — | 1 | +$191 | |
| 10 | $5,484 | 5.995% | — | 2 | +$483 | |
| 11 | $6,004 | 5.625% | — | 3 | +$1,003 | |
| 12 | $6,550 | 6.125% | — | 2 | +$1,549 | |
| 13 | $6,650 | 6.062% | — | 2 | +$1,649 | |
| 14 | $7,532 | 5.875% | — | 2 | +$2,531 |
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 | Selco Community | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $335,000 | $335,000 | +$0 (+0.0%) |
| Median total closing costs | $5,001 | $7,127 | −$2,126 (−29.8%) |
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.