Purchase Originations
156
Median Total Costs
$5,932
−11.2% vs national ($6,680)
↑ $605 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,306
Median Lender Credits
$275
Denial Rate
2.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 156 | 6.125% | $5,932 | $1,306 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,165 | 6.625% | — | 1 | −$2,767 | |
| 2 | $3,865 | 6.750% | — | 1 | −$2,067 | |
| 3 | $4,671 | 5.375% | — | 2 | −$1,261 | |
| 4 | $4,707 | 7.000% | — | 1 | −$1,225 | |
| 5 | $4,895 | 6.125% | — | 1 | −$1,037 | |
| 6 | $5,018 | 5.875% | — | 5 | −$914 | |
| 7 | $5,356 | 6.500% | — | 2 | −$576 | |
| 8 | $5,710 | 6.125% | — | 112 | −$222 | |
| 9 | $6,637 | 6.625% | — | 1 | +$705 | |
| 10 | $6,848 | 5.875% | — | 1 | +$916 | |
| 11 | $7,027 | 5.875% | — | 1 | +$1,095 | |
| 12 | $7,667 | 5.875% | — | 26 | +$1,735 | |
| 13 | $9,821 | 6.875% | — | 1 | +$3,889 | |
| 14 | $12,779 | 5.125% | — | 1 | +$6,847 |
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 | Vantage West | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $305,000 | $335,000 | −$30,000 (−9.0%) |
| Median total closing costs | $5,932 | $7,127 | −$1,195 (−16.8%) |
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.