Purchase Originations
121
Median Total Costs
$5,323
−20.3% vs national ($6,680)
↑ $626 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$699
Median Lender Credits
$750
Denial Rate
4.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 121 | 6.250% | $5,323 | $699 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Massachusetts | 119 | 6.250% | $5,323 | #83 |
| Connecticut | 2 | 6.500% | $5,275 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,171 | 6.000% | — | 3 | −$1,152 | |
| 2 | $4,435 | 5.875% | — | 3 | −$888 | |
| 3 | $4,504 | 6.250% | — | 40 | −$819 | |
| 4 | $5,178 | 6.000% | — | 1 | −$145 | |
| 5 | $5,275 | 6.500% | — | 2 | −$48 | |
| 6 | $5,363 | 6.000% | — | 1 | +$40 | |
| 7 | $5,407 | 6.250% | — | 27 | +$84 | |
| 8 | $5,568 | 6.250% | — | 41 | +$245 | |
| 9 | $5,675 | 6.250% | — | 1 | +$352 | |
| 10 | $5,876 | 6.250% | — | 1 | +$553 | |
| 11 | $6,080 | 6.250% | — | 1 | +$757 |
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 | Country Bank for Savings | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $385,000 | $335,000 | +$50,000 (+14.9%) |
| Median total closing costs | $5,323 | $7,127 | −$1,804 (−25.3%) |
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.