Purchase Originations
1,548
Ranked #278 nationally
Median Total Costs
$3,832
−42.6% vs national ($6,680)
↓ $423 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,526
Median Lender Credits
$50
Cost Rank (500+ vol.)
#94
among lenders with 500+ originations
Denial Rate
6.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 894 | 6.625% | $3,195 | $1,363 |
| fha | 497 | 6.250% | $7,637 | $1,714 |
| va | 130 | 6.250% | $3,636 | $1,195 |
| usda | 27 | 6.000% | $5,365 | $1,714 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,932 | 6.812% | — | 12 | −$900 | |
| 2 | $3,152 | 6.500% | — | 137 | −$680 | |
| 3 | $3,222 | 6.500% | — | 9 | −$610 | |
| 4 | $3,339 | 6.375% | — | 42 | −$493 | |
| 5 | $3,341 | 6.438% | — | 54 | −$491 | |
| 6 | $3,677 | 6.500% | — | 414 | −$155 | |
| 7 | $3,707 | 6.375% | — | 17 | −$125 | |
| 8 | $3,765 | 6.375% | — | 200 | −$67 | |
| 9 | $3,830 | 6.500% | — | 12 | −$2 | |
| 10 | $3,936 | 6.500% | — | 14 | +$104 | |
| 11 | $4,004 | 6.625% | — | 14 | +$172 | |
| 12 | $4,011 | 6.625% | — | 38 | +$179 | |
| 13 | $4,090 | 6.625% | — | 61 | +$258 | |
| 14 | $4,129 | 6.125% | — | 30 | +$297 | |
| 15 | $4,637 | 6.375% | — | 45 | +$805 | |
| 16 | $5,435 | 6.375% | — | 61 | +$1,603 | |
| 17 | $5,451 | 6.500% | — | 44 | +$1,619 | |
| 18 | $5,745 | 6.188% | — | 12 | +$1,913 | |
| 19 | $6,350 | 6.500% | — | 80 | +$2,518 | |
| 20 | $6,594 | 6.250% | — | 19 | +$2,762 |
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 | Charter West Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $235,000 | $335,000 | −$100,000 (−29.9%) |
| Median total closing costs | $3,832 | $7,127 | −$3,295 (−46.2%) |
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.