Purchase Originations
146
Median Total Costs
$2,682
−59.9% vs national ($6,680)
↓ $736 vs prior year
Median Rate
6.790%
+4.6% vs national (6.490%)
↓ 0.150% vs prior year
Median Origination
$880
Median Lender Credits
$159
Denial Rate
6.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 146 | 6.790% | $2,682 | $880 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Virginia | 110 | 6.857% | $3,311 | #121 |
| North Carolina | 36 | 6.690% | $94 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $94 | 6.690% | — | 9 | −$2,588 | |
| 2 | $94 | 6.790% | — | 7 | −$2,588 | |
| 3 | $94 | 7.040% | — | 4 | −$2,588 | |
| 4 | $94 | 6.890% | — | 4 | −$2,588 | |
| 5 | $94 | 6.740% | — | 3 | −$2,588 | |
| 6 | $94 | 6.490% | — | 3 | −$2,588 | |
| 7 | $94 | 6.490% | — | 3 | −$2,588 | |
| 8 | $94 | 6.690% | — | 3 | −$2,588 | |
| 9 | $135 | 6.690% | — | 1 | −$2,547 | |
| 10 | $523 | 6.857% | — | 4 | −$2,159 | |
| 11 | $1,662 | 6.508% | — | 2 | −$1,020 | |
| 12 | $2,580 | 6.940% | — | 9 | −$102 | |
| 13 | $2,968 | 6.840% | — | 37 | +$286 | |
| 14 | $3,442 | 6.620% | — | 8 | +$760 | |
| 15 | $3,795 | 6.740% | — | 10 | +$1,113 | |
| 16 | $3,801 | 6.940% | — | 20 | +$1,119 | |
| 17 | $3,821 | 6.875% | — | 3 | +$1,139 | |
| 18 | $3,999 | 7.465% | — | 2 | +$1,317 | |
| 19 | $4,601 | 6.308% | — | 6 | +$1,919 | |
| 20 | $7,037 | 6.490% | — | 3 | +$4,355 |
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 | Benchmark Community Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $255,000 | $335,000 | −$80,000 (−23.9%) |
| Median total closing costs | $2,682 | $7,127 | −$4,445 (−62.4%) |
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.