Purchase Originations
262
Median Total Costs
$2,849
−57.4% vs national ($6,680)
↑ $913 vs prior year
Median Rate
5.610%
−13.6% vs national (6.490%)
↓ 0.890% vs prior year
Median Origination
$1,694
Median Lender Credits
$28
Denial Rate
3.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 262 | 5.610% | $2,849 | $1,694 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,028 | 5.902% | — | 12 | −$821 | |
| 2 | $2,382 | 5.950% | — | 5 | −$467 | |
| 3 | $2,436 | 5.565% | — | 12 | −$413 | |
| 4 | $2,465 | 5.570% | — | 9 | −$384 | |
| 5 | $2,546 | 5.710% | — | 8 | −$303 | |
| 6 | $2,546 | 5.440% | — | 3 | −$303 | |
| 7 | $2,604 | 5.590% | — | 17 | −$245 | |
| 8 | $2,663 | 5.705% | — | 6 | −$186 | |
| 9 | $2,675 | 6.055% | — | 6 | −$174 | |
| 10 | $2,716 | 5.950% | — | 12 | −$133 | |
| 11 | $2,722 | 5.385% | — | 6 | −$127 | |
| 12 | $2,746 | 5.875% | — | 13 | −$103 | |
| 13 | $3,086 | 5.740% | — | 10 | +$237 | |
| 14 | $3,110 | 5.470% | — | 13 | +$261 | |
| 15 | $3,110 | 5.740% | — | 8 | +$261 | |
| 16 | $3,121 | 5.590% | — | 84 | +$272 | |
| 17 | $3,429 | 5.700% | — | 5 | +$580 | |
| 18 | $3,546 | 5.685% | — | 4 | +$697 | |
| 19 | $4,852 | 5.750% | — | 3 | +$2,003 | |
| 20 | $5,173 | 5.530% | — | 11 | +$2,324 |
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 | Fidelity Bank & Trust | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $205,000 | $335,000 | −$130,000 (−38.8%) |
| Median total closing costs | $2,849 | $7,127 | −$4,278 (−60.0%) |
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.