Purchase Originations
998
Ranked #381 nationally
Median Total Costs
$5,695
−14.8% vs national ($6,680)
↑ $261 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$995
Median Lender Credits
$2,500
Cost Rank (500+ vol.)
#255
among lenders with 500+ originations
Denial Rate
10.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 940 | 6.062% | $5,522 | $995 |
| fha | 58 | 6.125% | $12,401 | $3,048 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 998 | 6.125% | $5,695 | #37 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,698 | 6.188% | — | 14 | −$1,997 | |
| 2 | $3,760 | 6.250% | — | 11 | −$1,935 | |
| 3 | $4,121 | 6.500% | — | 8 | −$1,574 | |
| 4 | $4,405 | 5.750% | — | 136 | −$1,290 | |
| 5 | $4,623 | 6.125% | — | 15 | −$1,072 | |
| 6 | $4,629 | 6.250% | — | 193 | −$1,066 | |
| 7 | $4,765 | 6.000% | — | 41 | −$930 | |
| 8 | $4,853 | 6.250% | — | 24 | −$842 | |
| 9 | $4,867 | 6.375% | — | 47 | −$828 | |
| 10 | $4,902 | 6.375% | — | 39 | −$793 | |
| 11 | $5,117 | 5.938% | — | 10 | −$578 | |
| 12 | $5,233 | 6.500% | — | 12 | −$462 | |
| 13 | $6,319 | 5.750% | — | 41 | +$624 | |
| 14 | $6,334 | 6.062% | — | 18 | +$639 | |
| 15 | $6,612 | 6.250% | — | 19 | +$917 | |
| 16 | $6,624 | 5.875% | — | 129 | +$929 | |
| 17 | $7,019 | 5.875% | — | 88 | +$1,324 | |
| 18 | $7,403 | 5.875% | — | 9 | +$1,708 | |
| 19 | $7,688 | 6.125% | — | 49 | +$1,993 | |
| 20 | $9,571 | 6.312% | — | 8 | +$3,876 |
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 | The Golden 1 | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $675,000 | $335,000 | +$340,000 (+101.5%) |
| Median total closing costs | $5,695 | $7,127 | −$1,432 (−20.1%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
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.