Purchase Originations
464
Median Total Costs
$7,306
+9.4% vs national ($6,680)
↓ $280 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,299
Median Lender Credits
$1,000
Denial Rate
3.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 359 | 6.625% | $6,679 | $1,299 |
| fha | 93 | 6.250% | $17,212 | $1,399 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New Jersey | 409 | 6.500% | $7,323 | #40 |
| New York | 15 | 6.500% | $8,941 | — |
| Florida | 11 | 6.750% | $8,337 | — |
| Pennsylvania | 10 | 6.500% | $7,142 | — |
| Connecticut | 4 | 6.374% | $5,060 | — |
| Texas | 4 | 6.312% | $6,502 | — |
| Virginia | 4 | 7.124% | $6,688 | — |
| Massachusetts | 2 | 6.750% | $4,147 | — |
| South Carolina | 2 | 5.938% | $13,477 | — |
| Delaware | 1 | 6.490% | $8,301 | — |
| Georgia | 1 | 6.625% | $4,264 | — |
| Ohio | 1 | 6.500% | $6,173 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,664 | 6.624% | — | 3 | −$2,642 | |
| 2 | $5,736 | 6.750% | — | 3 | −$1,570 | |
| 3 | $6,247 | 6.375% | — | 29 | −$1,059 | |
| 4 | $6,248 | 6.750% | — | 3 | −$1,058 | |
| 5 | $6,470 | 6.750% | — | 8 | −$836 | |
| 6 | $6,629 | 6.500% | — | 19 | −$677 | |
| 7 | $6,635 | 6.807% | — | 4 | −$671 | |
| 8 | $6,677 | 6.495% | — | 60 | −$629 | |
| 9 | $6,679 | 6.500% | — | 21 | −$627 | |
| 10 | $6,750 | 6.624% | — | 6 | −$556 | |
| 11 | $6,961 | 6.500% | — | 11 | −$345 | |
| 12 | $6,986 | 6.875% | — | 7 | −$320 | |
| 13 | $7,131 | 6.438% | — | 28 | −$175 | |
| 14 | $7,595 | 6.625% | — | 26 | +$289 | |
| 15 | $7,717 | 6.625% | — | 27 | +$411 | |
| 16 | $7,985 | 6.500% | — | 107 | +$679 | |
| 17 | $8,941 | 6.250% | — | 3 | +$1,635 | |
| 18 | $9,146 | 6.500% | — | 15 | +$1,840 | |
| 19 | $9,202 | 6.375% | — | 21 | +$1,896 | |
| 20 | $15,208 | 6.250% | — | 22 | +$7,902 |
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 | Bond Street Mortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $485,000 | $335,000 | +$150,000 (+44.8%) |
| Median total closing costs | $7,306 | $7,127 | +$179 (+2.5%) |
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.