Purchase Originations
171
Median Total Costs
$5,960
−10.8% vs national ($6,680)
↓ $1,114 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,611
Median Lender Credits
$3,441
Denial Rate
0.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 109 | 6.624% | $4,365 | $1,238 |
| fha | 49 | 6.500% | $11,109 | $4,126 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,428 | 7.625% | — | 1 | −$3,532 | |
| 2 | $3,694 | 6.250% | — | 3 | −$2,266 | |
| 3 | $3,787 | 6.874% | — | 1 | −$2,173 | |
| 4 | $4,500 | 6.490% | — | 19 | −$1,460 | |
| 5 | $4,766 | 6.433% | — | 64 | −$1,194 | |
| 6 | $4,982 | 6.624% | — | 17 | −$978 | |
| 7 | $5,049 | 5.990% | — | 1 | −$911 | |
| 8 | $5,326 | 6.562% | — | 6 | −$634 | |
| 9 | $6,192 | 6.187% | — | 8 | +$232 | |
| 10 | $6,310 | 6.750% | — | 14 | +$350 | |
| 11 | $6,382 | 7.875% | — | 1 | +$422 | |
| 12 | $7,005 | 6.500% | — | 7 | +$1,045 | |
| 13 | $7,690 | 7.250% | — | 1 | +$1,730 | |
| 14 | $8,017 | 6.625% | — | 2 | +$2,057 | |
| 15 | $8,190 | 6.500% | — | 2 | +$2,230 | |
| 16 | $8,668 | 6.312% | — | 2 | +$2,708 | |
| 17 | $13,791 | 6.250% | — | 3 | +$7,831 | |
| 18 | $15,339 | 6.312% | — | 2 | +$9,379 | |
| 19 | $15,937 | 6.625% | — | 1 | +$9,977 | |
| 20 | $22,388 | 6.670% | — | 2 | +$16,428 |
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 | 3rd Street Financial Corp. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $265,000 | $335,000 | −$70,000 (−20.9%) |
| Median total closing costs | $5,960 | $7,127 | −$1,167 (−16.4%) |
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.