County ranking · HMDA 2025
Highest and lowest mortgage loan costs by county
Median total loan costs (Closing Disclosure section D) on conventional purchase loans. Ranked among 1,981 counties with at least 100 home-purchase mortgages in 2025.
Highest median conventional loan costs
| Rank | County | Value | Purchases |
|---|---|---|---|
| 1 | Monroe County, FL | $11,330 | 494 |
| 2 | Kauai County, HI | $11,310 | 272 |
| 3 | Miami-Dade County, FL | $11,130 | 13,299 |
| 4 | Maui County, HI | $10,570 | 570 |
| 5 | Honolulu County, HI | $9,970 | 5,547 |
| 6 | Los Angeles County, CA | $9,960 | 33,298 |
| 7 | Juneau City and Borough, AK | $9,280 | 288 |
| 8 | Richmond County, NY | $9,280 | 2,691 |
| 9 | Imperial County, CA | $9,150 | 747 |
| 10 | Orange County, CA | $9,110 | 12,538 |
| 11 | Nassau County, NY | $8,770 | 8,050 |
| 12 | San Diego County, CA | $8,710 | 17,413 |
| 13 | Broward County, FL | $8,650 | 13,564 |
| 14 | Hawaii County, HI | $8,540 | 1,186 |
| 15 | Ventura County, CA | $8,530 | 4,366 |
| 16 | Douglas County, WA | $8,460 | 382 |
| 17 | Monterey County, CA | $8,380 | 1,409 |
| 18 | Kings County, NY | $8,370 | 5,630 |
| 19 | Pend Oreille County, WA | $8,360 | 103 |
| 20 | Suffolk County, NY | $8,260 | 10,453 |
| 21 | Tulare County, CA | $8,250 | 3,090 |
| 22 | Jerome County, ID | $8,230 | 253 |
| 23 | Humboldt County, CA | $8,220 | 649 |
| 24 | Webb County, TX | $8,220 | 1,729 |
| 25 | Crook County, OR | $8,180 | 320 |
Lowest median conventional loan costs
| Rank | County | Value | Purchases |
|---|---|---|---|
| 1981 | Johnson County, IA | $1,880 | 1,790 |
| 1980 | Black Hawk County, IA | $1,940 | 1,306 |
| 1979 | Bremer County, IA | $1,960 | 270 |
| 1978 | Jackson County, WI | $2,000 | 149 |
| 1977 | Linn County, IA | $2,020 | 2,931 |
| 1976 | Iowa County, IA | $2,050 | 175 |
| 1975 | Grundy County, IA | $2,060 | 152 |
| 1974 | Washington County, IA | $2,090 | 257 |
| 1973 | Fayette County, IA | $2,090 | 151 |
| 1972 | Buchanan County, IA | $2,090 | 194 |
| 1971 | Butler County, IA | $2,110 | 130 |
| 1970 | Clayton County, IA | $2,140 | 128 |
| 1969 | Jones County, IA | $2,150 | 168 |
| 1968 | Poweshiek County, IA | $2,160 | 176 |
| 1967 | Tama County, IA | $2,200 | 128 |
| 1966 | Clay County, AR | $2,200 | 107 |
| 1965 | Cedar County, IA | $2,210 | 224 |
| 1964 | Des Moines County, IA | $2,230 | 267 |
| 1963 | Benton County, IA | $2,230 | 299 |
| 1962 | Webster County, IA | $2,300 | 295 |
| 1961 | Morgan County, IL | $2,300 | 198 |
| 1960 | Fayette County, IL | $2,300 | 104 |
| 1959 | Dubuque County, IA | $2,340 | 1,031 |
| 1958 | Scott County, IA | $2,350 | 2,100 |
| 1957 | Lee County, IA | $2,380 | 140 |
- Counties where home buyers earn the most and least
- Largest and smallest home-purchase loans by county
- Highest and lowest financed home values by county
- Highest and lowest mortgage rates by county
- Counties with the highest and lowest mortgage denial rates
- Biggest and smallest down payments by county
- Where FHA loans are most and least common
Source: FFIEC/CFPB HMDA 2025 public LAR; owner-occupied single-family site-built homes, first-lien closed-end purchase loans. Methodology