Purchase Originations
128
Median Total Costs
$10,301
+54.2% vs national ($6,680)
↓ $883 vs prior year
Median Rate
6.688%
+3.0% vs national (6.490%)
↑ 0.063% vs prior year
Median Origination
$4,447
Median Lender Credits
$483
Denial Rate
1.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 88 | 6.875% | $8,393 | $4,281 |
| fha | 31 | 6.500% | $15,668 | $5,277 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Arizona | 103 | 6.625% | $9,740 | #101 |
| California | 17 | 8.500% | $14,582 | — |
| Utah | 5 | 6.625% | $7,572 | — |
| Oregon | 1 | 8.500% | $11,030 | — |
| Texas | 1 | 6.125% | $11,311 | — |
| Washington | 1 | 6.625% | $9,102 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,484 | 6.875% | — | 1 | −$4,817 | |
| 2 | $5,488 | 6.370% | — | 2 | −$4,813 | |
| 3 | $5,614 | 6.750% | — | 13 | −$4,687 | |
| 4 | $5,934 | 6.625% | — | 1 | −$4,367 | |
| 5 | $6,934 | 6.875% | — | 1 | −$3,367 | |
| 6 | $7,294 | 6.625% | — | 1 | −$3,007 | |
| 7 | $8,418 | 6.500% | — | 4 | −$1,883 | |
| 8 | $8,503 | 6.438% | — | 6 | −$1,798 | |
| 9 | $10,011 | 6.808% | — | 2 | −$290 | |
| 10 | $10,688 | 8.500% | — | 1 | +$387 | |
| 11 | $11,258 | 6.750% | — | 64 | +$957 | |
| 12 | $11,282 | 8.500% | — | 1 | +$981 | |
| 13 | $11,880 | 6.688% | — | 2 | +$1,579 | |
| 14 | $14,331 | 6.000% | — | 1 | +$4,030 | |
| 15 | $14,582 | 8.500% | — | 1 | +$4,281 | |
| 16 | $14,984 | 7.125% | — | 7 | +$4,683 | |
| 17 | $15,553 | 6.562% | — | 10 | +$5,252 | |
| 18 | $15,906 | 8.500% | — | 1 | +$5,605 | |
| 19 | $16,926 | 6.375% | — | 1 | +$6,625 | |
| 20 | $20,528 | 8.500% | — | 1 | +$10,227 |
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 | Starboard Financial Management, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $365,000 | $335,000 | +$30,000 (+9.0%) |
| Median total closing costs | $10,301 | $7,127 | +$3,174 (+44.5%) |
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.