Purchase Originations
214
Median Total Costs
$6,691
+0.2% vs national ($6,680)
↑ $567 vs prior year
Median Rate
6.490%
+0.0% vs national (6.490%)
↓ 0.135% vs prior year
Median Origination
$1,642
Median Lender Credits
$40
Denial Rate
9.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 116 | 6.625% | $5,186 | $1,558 |
| fha | 71 | 6.125% | $10,355 | $2,032 |
| va | 24 | 6.250% | $4,400 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Tennessee | 109 | 6.250% | $7,236 | #119 |
| Mississippi | 20 | 6.125% | $9,763 | — |
| Massachusetts | 18 | 6.870% | $4,520 | — |
| New York | 18 | 6.688% | $5,419 | — |
| Arkansas | 8 | 6.812% | $4,942 | — |
| Delaware | 8 | 6.688% | $12,151 | — |
| California | 6 | 7.240% | $9,248 | — |
| Connecticut | 4 | 6.875% | $7,214 | — |
| Alabama | 3 | 6.375% | $4,015 | — |
| Maryland | 3 | 6.625% | $13,331 | — |
| Florida | 2 | 5.995% | $7,154 | — |
| Michigan | 2 | 6.370% | $5,177 | — |
| Missouri | 2 | 6.933% | $4,009 | — |
| New Hampshire | 2 | 6.562% | $5,288 | — |
| Texas | 2 | 6.312% | $6,109 | — |
| District of Columbia | 1 | 6.375% | $18,095 | — |
| Illinois | 1 | 6.500% | $4,787 | — |
| Indiana | 1 | 5.875% | $7,419 | — |
| Oklahoma | 1 | 5.990% | $7,889 | — |
| Pennsylvania | 1 | 6.750% | $5,519 | — |
| Rhode Island | 1 | 6.875% | $4,916 | — |
| Virginia | 1 | 6.500% | $18,456 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,417 | 6.750% | — | 3 | −$3,274 | |
| 2 | $3,484 | 7.057% | — | 2 | −$3,207 | |
| 3 | $3,937 | 6.312% | — | 2 | −$2,754 | |
| 4 | $4,456 | 6.990% | — | 2 | −$2,235 | |
| 5 | $4,773 | 7.188% | — | 6 | −$1,918 | |
| 6 | $5,098 | 6.438% | — | 4 | −$1,593 | |
| 7 | $5,103 | 6.607% | — | 2 | −$1,588 | |
| 8 | $5,177 | 6.370% | — | 2 | −$1,514 | |
| 9 | $5,630 | 6.938% | — | 8 | −$1,061 | |
| 10 | $6,930 | 6.433% | — | 4 | +$239 | |
| 11 | $6,946 | 6.250% | — | 88 | +$255 | |
| 12 | $7,363 | 6.250% | — | 7 | +$672 | |
| 13 | $7,981 | 6.188% | — | 8 | +$1,290 | |
| 14 | $8,446 | 7.312% | — | 2 | +$1,755 | |
| 15 | $9,248 | 7.240% | — | 6 | +$2,557 | |
| 16 | $9,660 | 6.875% | — | 3 | +$2,969 | |
| 17 | $10,546 | 6.062% | — | 2 | +$3,855 | |
| 18 | $10,584 | 6.250% | — | 15 | +$3,893 | |
| 19 | $12,713 | 6.562% | — | 2 | +$6,022 | |
| 20 | $13,107 | 6.625% | — | 5 | +$6,416 |
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 | Evolve Bank & Trust | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $315,000 | $335,000 | −$20,000 (−6.0%) |
| Median total closing costs | $6,691 | $7,127 | −$436 (−6.1%) |
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.