Purchase Originations
356
Median Total Costs
$5,847
−12.5% vs national ($6,680)
↑ $540 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,010
Median Lender Credits
$89
Denial Rate
2.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 146 | 6.000% | $7,267 | $1,010 |
| conventional | 129 | 6.375% | $4,294 | $1,010 |
| usda | 42 | 6.000% | $5,475 | $1,010 |
| va | 39 | 6.125% | $5,680 | $1,075 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,818 | 5.990% | — | 3 | −$1,029 | |
| 2 | $4,967 | 5.750% | — | 3 | −$880 | |
| 3 | $5,467 | 6.000% | — | 36 | −$380 | |
| 4 | $5,685 | 6.312% | — | 4 | −$162 | |
| 5 | $5,694 | 6.000% | — | 3 | −$153 | |
| 6 | $5,705 | 6.250% | — | 3 | −$142 | |
| 7 | $5,722 | 6.125% | — | 3 | −$125 | |
| 8 | $5,728 | 6.125% | — | 5 | −$119 | |
| 9 | $5,749 | 6.125% | — | 51 | −$98 | |
| 10 | $5,838 | 6.125% | — | 67 | −$9 | |
| 11 | $6,030 | 6.188% | — | 52 | +$183 | |
| 12 | $6,041 | 6.125% | — | 27 | +$194 | |
| 13 | $6,233 | 6.188% | — | 40 | +$386 | |
| 14 | $6,255 | 6.120% | — | 10 | +$408 | |
| 15 | $6,384 | 6.188% | — | 4 | +$537 | |
| 16 | $6,453 | 6.250% | — | 3 | +$606 | |
| 17 | $6,568 | 6.125% | — | 8 | +$721 | |
| 18 | $7,514 | 5.990% | — | 3 | +$1,667 | |
| 19 | $7,570 | 6.125% | — | 15 | +$1,723 | |
| 20 | $8,777 | 6.000% | — | 2 | +$2,930 |
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 | Firstar Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $195,000 | $335,000 | −$140,000 (−41.8%) |
| Median total closing costs | $5,847 | $7,127 | −$1,280 (−18.0%) |
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.