Purchase Originations
1,615
Ranked #268 nationally
Median Total Costs
$6,358
−4.8% vs national ($6,680)
↑ $30 vs prior year
Median Rate
5.875%
−9.5% vs national (6.490%)
↓ 0.500% vs prior year
Median Origination
$995
Median Lender Credits
$995
Cost Rank (500+ vol.)
#314
among lenders with 500+ originations
Denial Rate
4.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,615 | 5.875% | $6,358 | $995 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 231 | 5.875% | $8,088 | #137 |
| New York | 159 | 5.875% | $6,616 | #100 |
| Florida | 156 | 5.875% | $8,888 | #184 |
| Texas | 120 | 5.875% | $8,026 | #260 |
| Colorado | 76 | 5.750% | $3,812 | #120 |
| Washington | 70 | 6.000% | $5,530 | #130 |
| Massachusetts | 65 | 5.875% | $6,318 | #114 |
| New Jersey | 64 | 5.938% | $6,708 | #135 |
| Illinois | 55 | 6.125% | $7,003 | #184 |
| North Carolina | 55 | 6.000% | $4,689 | #195 |
| Tennessee | 47 | 6.000% | $5,106 | — |
| Arizona | 44 | 6.000% | $6,822 | — |
| Georgia | 42 | 6.000% | $6,226 | — |
| Ohio | 41 | 6.125% | $4,679 | — |
| Pennsylvania | 40 | 6.000% | $7,367 | — |
| Michigan | 34 | 6.062% | $4,351 | — |
| Minnesota | 32 | 5.875% | $4,886 | — |
| Maryland | 31 | 6.000% | $6,768 | — |
| Virginia | 29 | 6.250% | $6,221 | — |
| South Carolina | 26 | 6.125% | $4,769 | — |
| Oregon | 24 | 5.750% | $4,861 | — |
| Nevada | 21 | 6.000% | $7,130 | — |
| Indiana | 15 | 6.000% | $3,366 | — |
| Utah | 15 | 5.875% | $4,378 | — |
| District of Columbia | 11 | 5.875% | $6,748 | — |
| Connecticut | 10 | 5.875% | $6,557 | — |
| Kentucky | 10 | 6.438% | $4,289 | — |
| New Hampshire | 9 | 6.125% | $4,058 | — |
| Louisiana | 8 | 6.125% | $6,757 | — |
| Missouri | 8 | 6.312% | $3,994 | — |
| Montana | 7 | 6.250% | $4,212 | — |
| Wisconsin | 7 | 6.250% | $3,212 | — |
| Arkansas | 6 | 6.062% | $3,625 | — |
| Idaho | 6 | 6.375% | $7,444 | — |
| Alabama | 4 | 6.375% | $3,651 | — |
| Kansas | 4 | 6.250% | $3,164 | — |
| Maine | 4 | 5.812% | $4,019 | — |
| Oklahoma | 4 | 6.500% | $3,844 | — |
| Rhode Island | 4 | 6.438% | $4,320 | — |
| Vermont | 4 | 6.438% | $5,057 | — |
| Hawaii | 3 | 5.625% | $6,783 | — |
| New Mexico | 3 | 5.750% | $4,754 | — |
| Alaska | 2 | 6.188% | $5,110 | — |
| Mississippi | 2 | 5.750% | $4,523 | — |
| Nebraska | 2 | 6.250% | $3,888 | — |
| Wyoming | 2 | 5.500% | $27,364 | — |
| Delaware | 1 | 6.250% | $5,386 | — |
| Iowa | 1 | 7.125% | $2,542 | — |
| West Virginia | 1 | 6.750% | $3,392 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,882 | 6.000% | — | 19 | −$2,476 | |
| 2 | $5,207 | 5.875% | — | 20 | −$1,151 | |
| 3 | $5,210 | 5.875% | — | 18 | −$1,148 | |
| 4 | $5,692 | 5.750% | — | 43 | −$666 | |
| 5 | $6,266 | 5.875% | — | 56 | −$92 | |
| 6 | $6,292 | 6.000% | — | 23 | −$66 | |
| 7 | $6,429 | 6.000% | — | 20 | +$71 | |
| 8 | $6,977 | 5.750% | — | 34 | +$619 | |
| 9 | $7,003 | 6.000% | — | 43 | +$645 | |
| 10 | $7,048 | 6.000% | — | 33 | +$690 | |
| 11 | $7,194 | 5.875% | — | 22 | +$836 | |
| 12 | $7,259 | 5.750% | — | 18 | +$901 | |
| 13 | $8,624 | 5.875% | — | 30 | +$2,266 | |
| 14 | $9,027 | 5.750% | — | 28 | +$2,669 | |
| 15 | $9,038 | 5.875% | — | 30 | +$2,680 | |
| 16 | $9,306 | 5.750% | — | 23 | +$2,948 | |
| 17 | $9,836 | 5.875% | — | 35 | +$3,478 | |
| 18 | $10,554 | 5.875% | — | 71 | +$4,196 | |
| 19 | $11,283 | 5.750% | — | 21 | +$4,925 | |
| 20 | $11,912 | 5.875% | — | 24 | +$5,554 |
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 | UBS Bank USA, National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $865,000 | $335,000 | +$530,000 (+158.2%) |
| Median total closing costs | $6,358 | $7,127 | −$769 (−10.8%) |
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.