Purchase Originations
176
Median Total Costs
$3,857
−42.3% vs national ($6,680)
↑ $91 vs prior year
Median Rate
6.308%
−2.8% vs national (6.490%)
↓ 0.079% vs prior year
Median Origination
$515
Median Lender Credits
$500
Denial Rate
2.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 175 | 6.315% | $3,853 | $515 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Connecticut | 170 | 6.319% | $3,857 | #35 |
| Rhode Island | 6 | 6.245% | $4,035 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,001 | 6.375% | — | 3 | −$856 | |
| 2 | $3,401 | 6.240% | — | 5 | −$456 | |
| 3 | $3,715 | 6.075% | — | 59 | −$142 | |
| 4 | $3,977 | 6.490% | — | 91 | +$120 | |
| 5 | $4,129 | 6.133% | — | 12 | +$272 | |
| 6 | $4,670 | 6.825% | — | 1 | +$813 | |
| 7 | $4,863 | 5.707% | — | 2 | +$1,006 | |
| 8 | $5,277 | 6.140% | — | 3 | +$1,420 |
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 | Chelsea Groton Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $395,000 | $335,000 | +$60,000 (+17.9%) |
| Median total closing costs | $3,857 | $7,127 | −$3,270 (−45.9%) |
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.