What home buyers actually paid — county by county
Real incomes, down payments, mortgage rates, loan costs and approval odds from the federal record of 7,155,718 mortgage applications in 2025, for all 3,144 counties and 2,017 lenders — plus the 2026 loan limits.
Tools that use the real numbers
Is my Loan Estimate high?
Put your quote's origination charges and total loan costs next to 2025 loans of the same type and size.
Payment calculator
Monthly principal, interest, property tax and insurance with your county's typical rates.
2026 loan limits
Conforming and FHA limits for every county, with the change from 2025.
Compare counties
Two counties side by side: buyers, rates, costs, denials and limits.
Browse by state
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
County rankings
Top buyer incomes
- Santa Clara, CA$358,000
- San Mateo, CA$356,000
- Marin, CA$329,000
- New York, NY$321,000
- San Francisco, CA$304,000
Biggest down payments
- Teton, WY39.0%
- New York, NY28.6%
- Marin, CA25.0%
- San Francisco, CA25.0%
- San Mateo, CA25.0%
Highest loan costs
- Monroe, FL$11,330
- Kauai, HI$11,310
- Miami-Dade, FL$11,130
- Maui, HI$10,570
- Honolulu, HI$9,970
Lowest loan costs
- Johnson, IA$1,880
- Black Hawk, IA$1,940
- Bremer, IA$1,960
- Jackson, WI$2,000
- Linn, IA$2,020
All rankings → Counties with at least 100 purchase loans; loan costs are conventional purchase loans (section D).
Largest mortgage lenders
| Lender | Loans | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|
| United Wholesale Mortgage (UWM) | 361,155 | 8.9% | 6.624% | $7,230 |
| Rocket Mortgage, LLC | 285,311 | 13.2% | 6.625% | $5,960 |
| CrossCountry Mortgage, Inc. | 100,434 | 2.6% | 6.825% | $6,890 |
| Veterans United Home Loans | 78,558 | 8.9% | 6.625% | $3,170 |
| JPMorgan Chase Bank, N.A. | 71,612 | 10.9% | 6.490% | $4,700 |
| Pennymac Loan Services, LLC | 69,924 | 13.6% | 6.624% | $7,320 |
| Freedom Mortgage Corporation | 67,844 | 14.3% | 6.750% | $7,830 |
| Guild Mortgage Company | 66,160 | 3.1% | 6.625% | $6,160 |
| DHI Mortgage Company, Ltd. | 63,686 | 16.4% | 5.500% | $3,150 |
| Fairway Independent Mortgage Corporation | 59,815 | 4.0% | 6.750% | $5,860 |
*Conventional home-purchase medians. Compare all 2,017 lenders.
Guides
How to read a Loan Estimate, section by section
What sections A through J mean, which costs you can negotiate, and what borrowers actually paid in 2025.
Origination charges vs. total loan costs: what is negotiable
Section A is the lender's price; section D adds third-party services. How the two compare across 2025 loans.
Discount points: when buying down the rate pays off
51% of 2025 home buyers paid points. How to calculate your break-even.
Rate spread and APOR: how mortgage pricing is compared
Why this site compares lenders by APR minus the average prime offer rate, and what the numbers mean.
Why mortgage applications get denied (2025 data)
Denial rates by loan type and the reasons lenders gave, from 2025 HMDA records.
FHA vs. conventional loans: what 2025 borrowers paid
Rates, loan costs, down payments and denial rates side by side, from 2025 HMDA records.
Where the numbers come from
Federal records, not a survey
Lenders must report nearly every mortgage application to federal regulators under the Home Mortgage Disclosure Act. We analyzed the 2025 public records (7,155,718 purchase and refinance applications, released June 23, 2026) and publish medians only where at least 30 loans support them.
Like-for-like comparisons
Headline figures cover owner-occupied single-family homes with first-lien, closed-end loans. Costs and lender comparisons separate conventional, FHA and VA loans, because FHA and VA charge upfront insurance or funding fees. Read the methodology.