Purchase Originations
274
Median Total Costs
$4,341
−35.0% vs national ($6,680)
↑ $515 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$850
Median Lender Credits
$50
Denial Rate
4.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 274 | 6.125% | $4,341 | $850 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Massachusetts | 239 | 6.125% | $4,368 | #46 |
| Rhode Island | 35 | 6.250% | $4,162 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,699 | 6.250% | — | 19 | −$642 | |
| 2 | $4,162 | 6.500% | — | 5 | −$179 | |
| 3 | $4,166 | 5.875% | — | 6 | −$175 | |
| 4 | $4,223 | 6.000% | — | 11 | −$118 | |
| 5 | $4,270 | 6.125% | — | 167 | −$71 | |
| 6 | $4,312 | 6.000% | — | 13 | −$29 | |
| 7 | $4,433 | 5.938% | — | 30 | +$92 | |
| 8 | $4,617 | 6.000% | — | 6 | +$276 | |
| 9 | $5,214 | 5.750% | — | 3 | +$873 | |
| 10 | $5,776 | 6.375% | — | 3 | +$1,435 | |
| 11 | $5,950 | 5.750% | — | 2 | +$1,609 | |
| 12 | $7,932 | 6.438% | — | 2 | +$3,591 | |
| 13 | $7,946 | 6.000% | — | 7 | +$3,605 |
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 | Bristol County Savings Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $460,000 | $335,000 | +$125,000 (+37.3%) |
| Median total closing costs | $4,341 | $7,127 | −$2,786 (−39.1%) |
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.