Purchase Originations
127
Median Total Costs
$8,060
+20.7% vs national ($6,680)
↑ $1,344 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$3,464
Median Lender Credits
$2,500
Denial Rate
3.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 60 | 6.125% | $5,127 | $3,543 |
| fha | 52 | 5.990% | $9,712 | $3,368 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,153 | 6.490% | — | 9 | −$3,907 | |
| 2 | $4,456 | 5.990% | — | 1 | −$3,604 | |
| 3 | $5,387 | 5.750% | — | 4 | −$2,673 | |
| 4 | $5,757 | 5.750% | — | 1 | −$2,303 | |
| 5 | $7,896 | 6.125% | — | 1 | −$164 | |
| 6 | $8,285 | 6.125% | — | 100 | +$225 | |
| 7 | $9,922 | 5.990% | — | 9 | +$1,862 | |
| 8 | $10,840 | 5.490% | — | 1 | +$2,780 | |
| 9 | $20,814 | 4.990% | — | 1 | +$12,754 |
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 | Western Vista | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $285,000 | $335,000 | −$50,000 (−14.9%) |
| Median total closing costs | $8,060 | $7,127 | +$933 (+13.1%) |
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.