Purchase Originations
382
Median Total Costs
$2,170
−67.5% vs national ($6,680)
↓ $65 vs prior year
Median Rate
5.750%
−11.4% vs national (6.490%)
↓ 0.245% vs prior year
Median Origination
$600
Median Lender Credits
$100
Denial Rate
3.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 381 | 5.750% | $2,168 | $600 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,875 | 6.625% | — | 1 | −$295 | |
| 2 | $2,083 | 6.500% | — | 1 | −$87 | |
| 3 | $2,098 | 5.750% | — | 193 | −$72 | |
| 4 | $2,123 | 5.125% | — | 1 | −$47 | |
| 5 | $2,150 | 6.375% | — | 3 | −$20 | |
| 6 | $2,158 | 5.750% | — | 46 | −$12 | |
| 7 | $2,200 | 6.188% | — | 14 | +$30 | |
| 8 | $2,224 | 5.750% | — | 38 | +$54 | |
| 9 | $2,236 | 5.938% | — | 2 | +$66 | |
| 10 | $2,238 | 5.875% | — | 1 | +$68 | |
| 11 | $2,247 | 5.250% | — | 16 | +$77 | |
| 12 | $2,257 | 6.375% | — | 1 | +$87 | |
| 13 | $2,265 | 6.625% | — | 1 | +$95 | |
| 14 | $2,290 | 6.500% | — | 3 | +$120 | |
| 15 | $2,719 | 7.000% | — | 1 | +$549 | |
| 16 | $2,870 | 6.000% | — | 6 | +$700 | |
| 17 | $3,330 | 5.125% | — | 1 | +$1,160 | |
| 18 | $4,564 | 6.375% | — | 1 | +$2,394 | |
| 19 | $5,006 | 5.490% | — | 41 | +$2,836 | |
| 20 | $10,180 | 6.125% | — | 1 | +$8,010 |
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 | Bankers Trust Company | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $275,000 | $335,000 | −$60,000 (−17.9%) |
| Median total closing costs | $2,170 | $7,127 | −$4,957 (−69.6%) |
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.