Purchase Originations
1,076
Ranked #355 nationally
Median Total Costs
$5,106
−23.6% vs national ($6,680)
↓ $267 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$1,436
Median Lender Credits
$500
Cost Rank (500+ vol.)
#203
among lenders with 500+ originations
Denial Rate
4.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,012 | 6.500% | $4,939 | $1,475 |
| fha | 56 | 6.625% | $7,557 | $975 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 512 | 6.500% | $4,590 | #45 |
| Ohio | 211 | 6.500% | $4,470 | #90 |
| South Carolina | 65 | 6.750% | $5,438 | #147 |
| Virginia | 61 | 6.375% | $6,947 | #164 |
| Georgia | 58 | 6.500% | $6,594 | #194 |
| North Carolina | 41 | 6.625% | $5,551 | — |
| Maryland | 32 | 6.500% | $10,462 | — |
| Minnesota | 15 | 6.500% | $6,843 | — |
| Tennessee | 12 | 6.562% | $6,394 | — |
| Alabama | 11 | 6.750% | $4,672 | — |
| Indiana | 10 | 6.250% | $2,334 | — |
| Colorado | 8 | 6.438% | $5,336 | — |
| Kentucky | 7 | 6.625% | $6,092 | — |
| Wisconsin | 6 | 6.312% | $4,413 | — |
| Florida | 5 | 7.000% | $6,446 | — |
| Massachusetts | 5 | 6.750% | $8,928 | — |
| Missouri | 5 | 6.375% | $3,364 | — |
| Kansas | 3 | 6.500% | $3,466 | — |
| New Jersey | 3 | 6.250% | $14,606 | — |
| West Virginia | 3 | 6.250% | $3,940 | — |
| Nebraska | 1 | 7.250% | $7,782 | — |
| Texas | 1 | 7.500% | $8,589 | — |
| Utah | 1 | 6.250% | $12,952 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,331 | 6.375% | — | 8 | −$2,775 | |
| 2 | $3,956 | 6.500% | — | 86 | −$1,150 | |
| 3 | $4,220 | 6.500% | — | 11 | −$886 | |
| 4 | $4,382 | 6.500% | — | 292 | −$724 | |
| 5 | $4,677 | 6.625% | — | 56 | −$429 | |
| 6 | $4,707 | 6.500% | — | 132 | −$399 | |
| 7 | $4,743 | 6.125% | — | 13 | −$363 | |
| 8 | $4,762 | 6.375% | — | 9 | −$344 | |
| 9 | $4,799 | 6.375% | — | 19 | −$307 | |
| 10 | $4,826 | 6.625% | — | 10 | −$280 | |
| 11 | $5,135 | 6.875% | — | 10 | +$29 | |
| 12 | $5,522 | 6.438% | — | 28 | +$416 | |
| 13 | $5,548 | 6.440% | — | 15 | +$442 | |
| 14 | $5,682 | 6.875% | — | 9 | +$576 | |
| 15 | $5,887 | 6.312% | — | 10 | +$781 | |
| 16 | $6,585 | 6.562% | — | 8 | +$1,479 | |
| 17 | $7,450 | 6.750% | — | 7 | +$2,344 | |
| 18 | $7,622 | 6.375% | — | 15 | +$2,516 | |
| 19 | $7,757 | 6.375% | — | 11 | +$2,651 | |
| 20 | $13,861 | 6.500% | — | 13 | +$8,755 |
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 | Dollar Bank, Federal Savings Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $5,106 | $7,127 | −$2,021 (−28.4%) |
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.