Purchase Originations
115
Median Total Costs
$4,102
−38.6% vs national ($6,680)
↑ $566 vs prior year
Median Rate
6.000%
−7.5% vs national (6.490%)
↓ 0.438% vs prior year
Median Origination
$600
Median Lender Credits
$840
Denial Rate
10.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 115 | 6.000% | $4,102 | $600 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Massachusetts | 72 | 6.000% | $4,071 | #106 |
| New York | 21 | 6.000% | $4,858 | — |
| Rhode Island | 18 | 6.062% | $3,525 | — |
| Connecticut | 3 | 6.500% | $4,752 | — |
| New Hampshire | 1 | 5.500% | $1,963 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,164 | 5.999% | — | 5 | −$938 | |
| 2 | $3,548 | 5.500% | — | 1 | −$554 | |
| 3 | $3,623 | 6.000% | — | 5 | −$479 | |
| 4 | $3,721 | 6.125% | — | 4 | −$381 | |
| 5 | $3,744 | 6.000% | — | 19 | −$358 | |
| 6 | $3,861 | 6.188% | — | 4 | −$241 | |
| 7 | $3,877 | 5.937% | — | 8 | −$225 | |
| 8 | $4,077 | 5.688% | — | 10 | −$25 | |
| 9 | $4,096 | 6.000% | — | 25 | −$6 | |
| 10 | $4,114 | 6.250% | — | 9 | +$12 | |
| 11 | $4,520 | 6.250% | — | 3 | +$418 | |
| 12 | $4,529 | 6.500% | — | 1 | +$427 | |
| 13 | $4,674 | 6.250% | — | 1 | +$572 | |
| 14 | $4,746 | 6.375% | — | 1 | +$644 | |
| 15 | $4,752 | 6.750% | — | 1 | +$650 | |
| 16 | $4,881 | 6.000% | — | 7 | +$779 | |
| 17 | $5,422 | 6.625% | — | 1 | +$1,320 | |
| 18 | $7,176 | 5.625% | — | 1 | +$3,074 | |
| 19 | $7,342 | 5.938% | — | 4 | +$3,240 | |
| 20 | $12,842 | 6.500% | — | 1 | +$8,740 |
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 | Beacon Bank And Trust | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $445,000 | $335,000 | +$110,000 (+32.8%) |
| Median total closing costs | $4,102 | $7,127 | −$3,025 (−42.4%) |
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.