Purchase Originations
229
Median Total Costs
$5,899
−11.7% vs national ($6,680)
↑ $316 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$1,656
Median Lender Credits
$844
Denial Rate
3.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 177 | 6.375% | $5,470 | $1,656 |
| fha | 27 | 6.250% | $11,876 | $2,622 |
| va | 25 | 6.500% | $7,831 | $1,656 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,042 | 6.500% | — | 2 | −$1,857 | |
| 2 | $4,772 | 6.250% | — | 5 | −$1,127 | |
| 3 | $4,964 | 6.375% | — | 72 | −$935 | |
| 4 | $5,387 | 6.500% | — | 2 | −$512 | |
| 5 | $5,684 | 6.438% | — | 4 | −$215 | |
| 6 | $5,727 | 6.375% | — | 28 | −$172 | |
| 7 | $5,747 | 6.625% | — | 2 | −$152 | |
| 8 | $5,849 | 6.375% | — | 5 | −$50 | |
| 9 | $5,925 | 5.812% | — | 2 | +$26 | |
| 10 | $5,929 | 6.375% | — | 3 | +$30 | |
| 11 | $6,587 | 6.500% | — | 28 | +$688 | |
| 12 | $7,560 | 6.375% | — | 27 | +$1,661 | |
| 13 | $8,901 | 5.750% | — | 2 | +$3,002 | |
| 14 | $9,097 | 6.062% | — | 2 | +$3,198 | |
| 15 | $9,591 | 5.750% | — | 2 | +$3,692 | |
| 16 | $9,866 | 6.125% | — | 2 | +$3,967 | |
| 17 | $11,453 | 6.125% | — | 3 | +$5,554 | |
| 18 | $12,266 | 6.125% | — | 3 | +$6,367 | |
| 19 | $12,622 | 6.312% | — | 2 | +$6,723 | |
| 20 | $15,125 | 6.000% | — | 3 | +$9,226 |
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 | Extraco Banks, National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $355,000 | $335,000 | +$20,000 (+6.0%) |
| Median total closing costs | $5,899 | $7,127 | −$1,228 (−17.2%) |
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.