Purchase Originations
124
Median Total Costs
$2,841
−57.5% vs national ($6,680)
↓ $167 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,075
Median Lender Credits
$1,422
Denial Rate
7.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 90 | 6.375% | $2,767 | $1,050 |
| fha | 20 | 6.375% | $6,236 | $1,150 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $904 | 7.500% | — | 1 | −$1,937 | |
| 2 | $2,079 | 6.500% | — | 1 | −$762 | |
| 3 | $2,457 | 6.500% | — | 7 | −$384 | |
| 4 | $2,533 | 6.250% | — | 1 | −$308 | |
| 5 | $2,558 | 6.500% | — | 15 | −$283 | |
| 6 | $2,570 | 6.375% | — | 23 | −$271 | |
| 7 | $2,781 | 5.990% | — | 1 | −$60 | |
| 8 | $2,821 | 6.500% | — | 4 | −$20 | |
| 9 | $2,896 | 5.375% | — | 1 | +$55 | |
| 10 | $2,993 | 6.500% | — | 1 | +$152 | |
| 11 | $3,038 | 5.375% | — | 1 | +$197 | |
| 12 | $3,123 | 6.375% | — | 57 | +$282 | |
| 13 | $3,504 | 5.375% | — | 1 | +$663 | |
| 14 | $3,604 | 6.375% | — | 1 | +$763 | |
| 15 | $4,015 | 6.500% | — | 1 | +$1,174 | |
| 16 | $4,275 | 6.375% | — | 1 | +$1,434 | |
| 17 | $5,424 | 6.000% | — | 1 | +$2,583 | |
| 18 | $6,154 | 6.500% | — | 2 | +$3,313 | |
| 19 | $6,286 | 6.000% | — | 1 | +$3,445 | |
| 20 | $17,500 | 6.750% | — | 1 | +$14,659 |
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 | Dayspring Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $200,000 | $335,000 | −$135,000 (−40.3%) |
| Median total closing costs | $2,841 | $7,127 | −$4,286 (−60.1%) |
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.