Purchase Originations
145
Median Total Costs
$10,178
+52.4% vs national ($6,680)
Median Rate
6.625%
+2.1% vs national (6.490%)
Median Origination
$1,740
Median Lender Credits
$1,721
Denial Rate
0.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 107 | 6.875% | $9,004 | $1,740 |
| fha | 35 | 6.125% | $16,401 | $1,740 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 125 | 6.750% | $10,558 | #174 |
| Texas | 18 | 5.875% | $9,151 | — |
| Florida | 2 | 7.183% | $14,580 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,488 | 6.990% | — | 1 | −$4,690 | |
| 2 | $6,070 | 7.500% | — | 1 | −$4,108 | |
| 3 | $7,557 | 5.562% | — | 4 | −$2,621 | |
| 4 | $7,925 | 6.500% | — | 7 | −$2,253 | |
| 5 | $7,994 | 7.750% | — | 1 | −$2,184 | |
| 6 | $8,593 | 6.875% | — | 7 | −$1,585 | |
| 7 | $9,120 | 5.250% | — | 1 | −$1,058 | |
| 8 | $9,182 | 6.625% | — | 3 | −$996 | |
| 9 | $9,746 | 5.688% | — | 2 | −$432 | |
| 10 | $10,078 | 5.625% | — | 1 | −$100 | |
| 11 | $10,277 | 6.688% | — | 90 | +$99 | |
| 12 | $11,473 | 6.250% | — | 1 | +$1,295 | |
| 13 | $12,085 | 6.875% | — | 9 | +$1,907 | |
| 14 | $14,084 | 6.500% | — | 4 | +$3,906 | |
| 15 | $14,580 | 7.183% | — | 2 | +$4,402 | |
| 16 | $16,401 | 6.125% | — | 1 | +$6,223 | |
| 17 | $17,918 | 5.250% | — | 1 | +$7,740 | |
| 18 | $18,111 | 7.312% | — | 2 | +$7,933 | |
| 19 | $19,575 | 6.750% | — | 3 | +$9,397 | |
| 20 | $26,297 | 5.875% | — | 1 | +$16,119 |
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 | ARCSTONE FINANCIAL INC. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $665,000 | $335,000 | +$330,000 (+98.5%) |
| Median total closing costs | $10,178 | $7,127 | +$3,051 (+42.8%) |
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.