Purchase Originations
486
Median Total Costs
$6,349
−5.0% vs national ($6,680)
↑ $501 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$2,514
Median Lender Credits
$56
Denial Rate
3.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 343 | 6.625% | $5,593 | $2,340 |
| fha | 104 | 6.500% | $9,969 | $2,995 |
| va | 37 | 6.000% | $8,516 | $2,880 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,343 | 6.125% | — | 3 | −$2,006 | |
| 2 | $5,064 | 6.625% | — | 40 | −$1,285 | |
| 3 | $5,562 | 6.625% | — | 18 | −$787 | |
| 4 | $5,968 | 6.188% | — | 38 | −$381 | |
| 5 | $6,081 | 6.500% | — | 160 | −$268 | |
| 6 | $6,107 | 6.375% | — | 8 | −$242 | |
| 7 | $6,186 | 6.500% | — | 9 | −$163 | |
| 8 | $6,229 | 6.750% | — | 11 | −$120 | |
| 9 | $6,443 | 6.562% | — | 16 | +$94 | |
| 10 | $6,564 | 6.500% | — | 23 | +$215 | |
| 11 | $6,806 | 6.125% | — | 4 | +$457 | |
| 12 | $6,880 | 6.750% | — | 9 | +$531 | |
| 13 | $7,146 | 6.188% | — | 4 | +$797 | |
| 14 | $7,421 | 6.500% | — | 69 | +$1,072 | |
| 15 | $7,549 | 6.438% | — | 4 | +$1,200 | |
| 16 | $7,815 | 6.875% | — | 5 | +$1,466 | |
| 17 | $7,842 | 6.562% | — | 14 | +$1,493 | |
| 18 | $8,429 | 6.562% | — | 4 | +$2,080 | |
| 19 | $10,102 | 6.500% | — | 4 | +$3,753 | |
| 20 | $10,889 | 6.250% | — | 5 | +$4,540 |
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 | Union Capital Mortgage Corporation | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $245,000 | $335,000 | −$90,000 (−26.9%) |
| Median total closing costs | $6,349 | $7,127 | −$778 (−10.9%) |
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.