Purchase Originations
356
Median Total Costs
$4,195
−37.2% vs national ($6,680)
↓ $64 vs prior year
Median Rate
5.875%
−9.5% vs national (6.490%)
↓ 0.500% vs prior year
Median Origination
$1,495
Median Lender Credits
$4,821
Denial Rate
1.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 356 | 5.875% | $4,195 | $1,495 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New Mexico | 279 | 5.875% | $3,906 | #14 |
| California | 76 | 5.750% | $6,712 | #223 |
| Colorado | 1 | 5.500% | $3,425 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,184 | 6.250% | — | 2 | −$1,011 | |
| 2 | $3,425 | 5.500% | — | 1 | −$770 | |
| 3 | $3,764 | 5.875% | — | 205 | −$431 | |
| 4 | $4,012 | 5.875% | — | 38 | −$183 | |
| 5 | $4,168 | 5.875% | — | 10 | −$27 | |
| 6 | $4,589 | 5.875% | — | 20 | +$394 | |
| 7 | $4,643 | 5.875% | — | 4 | +$448 | |
| 8 | $6,712 | 5.750% | — | 76 | +$2,517 |
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 | Sunward | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $395,000 | $335,000 | +$60,000 (+17.9%) |
| Median total closing costs | $4,195 | $7,127 | −$2,932 (−41.1%) |
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.