Purchase Originations
360
Median Total Costs
$4,543
−32.0% vs national ($6,680)
↑ $834 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$595
Median Lender Credits
$159
Denial Rate
4.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 348 | 6.375% | $4,495 | $595 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 360 | 6.375% | $4,543 | #61 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,193 | 6.688% | — | 2 | −$1,350 | |
| 2 | $3,452 | 6.625% | — | 14 | −$1,091 | |
| 3 | $3,475 | 6.875% | — | 21 | −$1,068 | |
| 4 | $3,666 | 6.375% | — | 3 | −$877 | |
| 5 | $3,918 | 6.375% | — | 2 | −$625 | |
| 6 | $4,104 | 6.125% | — | 10 | −$439 | |
| 7 | $4,227 | 6.375% | — | 85 | −$316 | |
| 8 | $4,502 | 6.375% | — | 19 | −$41 | |
| 9 | $4,754 | 6.625% | — | 46 | +$211 | |
| 10 | $5,046 | 6.375% | — | 136 | +$503 | |
| 11 | $5,294 | 6.500% | — | 20 | +$751 | |
| 12 | $5,515 | 7.000% | — | 1 | +$972 | |
| 13 | $7,207 | 6.500% | — | 1 | +$2,664 |
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 | Arrow Bank National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $305,000 | $335,000 | −$30,000 (−9.0%) |
| Median total closing costs | $4,543 | $7,127 | −$2,584 (−36.3%) |
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.