Purchase Originations
224
Median Total Costs
$6,930
+3.7% vs national ($6,680)
↑ $5 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,240
Median Lender Credits
$153
Denial Rate
1.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 111 | 6.624% | $4,815 | $1,240 |
| fha | 100 | 6.250% | $10,039 | $1,240 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Tennessee | 194 | 6.375% | $6,834 | #81 |
| Mississippi | 21 | 6.250% | $9,700 | — |
| Arkansas | 4 | 6.438% | $5,707 | — |
| Missouri | 2 | 6.312% | $4,027 | — |
| Texas | 2 | 6.750% | $10,679 | — |
| Pennsylvania | 1 | 6.625% | $4,697 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,335 | 6.990% | — | 1 | −$3,595 | |
| 2 | $3,724 | 5.875% | — | 1 | −$3,206 | |
| 3 | $4,107 | 6.375% | — | 1 | −$2,823 | |
| 4 | $4,330 | 6.750% | — | 1 | −$2,600 | |
| 5 | $4,394 | 6.990% | — | 1 | −$2,536 | |
| 6 | $4,632 | 6.875% | — | 1 | −$2,298 | |
| 7 | $4,697 | 6.625% | — | 1 | −$2,233 | |
| 8 | $5,686 | 6.875% | — | 1 | −$1,244 | |
| 9 | $6,228 | 6.624% | — | 1 | −$702 | |
| 10 | $6,358 | 6.375% | — | 156 | −$572 | |
| 11 | $6,396 | 7.250% | — | 1 | −$534 | |
| 12 | $7,306 | 6.500% | — | 1 | +$376 | |
| 13 | $7,545 | 6.062% | — | 8 | +$615 | |
| 14 | $8,055 | 6.250% | — | 1 | +$1,125 | |
| 15 | $9,204 | 6.625% | — | 1 | +$2,274 | |
| 16 | $9,420 | 6.125% | — | 3 | +$2,490 | |
| 17 | $9,728 | 6.312% | — | 26 | +$2,798 | |
| 18 | $10,323 | 6.250% | — | 16 | +$3,393 | |
| 19 | $12,848 | 6.250% | — | 1 | +$5,918 | |
| 20 | $14,961 | 6.250% | — | 1 | +$8,031 |
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 | Bartlett Mortgage, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $300,000 | $335,000 | −$35,000 (−10.4%) |
| Median total closing costs | $6,930 | $7,127 | −$197 (−2.8%) |
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.