Purchase Originations
319
Median Total Costs
$3,973
−40.5% vs national ($6,680)
↑ $230 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,200
Median Lender Credits
$589
Denial Rate
5.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 289 | 6.500% | $3,832 | $1,200 |
| fha | 26 | 6.625% | $6,502 | $1,492 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 319 | 6.500% | $3,973 | #63 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,291 | 6.688% | — | 2 | −$682 | |
| 2 | $3,335 | 6.625% | — | 3 | −$638 | |
| 3 | $3,457 | 6.875% | — | 3 | −$516 | |
| 4 | $3,465 | 6.750% | — | 6 | −$508 | |
| 5 | $3,523 | 6.500% | — | 11 | −$450 | |
| 6 | $3,527 | 6.500% | — | 62 | −$446 | |
| 7 | $3,622 | 6.500% | — | 11 | −$351 | |
| 8 | $3,627 | 6.000% | — | 3 | −$346 | |
| 9 | $3,644 | 6.375% | — | 2 | −$329 | |
| 10 | $3,679 | 6.500% | — | 3 | −$294 | |
| 11 | $3,738 | 6.625% | — | 3 | −$235 | |
| 12 | $3,826 | 6.875% | — | 3 | −$147 | |
| 13 | $3,848 | 6.375% | — | 23 | −$125 | |
| 14 | $4,126 | 6.625% | — | 5 | +$153 | |
| 15 | $4,465 | 6.500% | — | 133 | +$492 | |
| 16 | $4,682 | 6.750% | — | 2 | +$709 | |
| 17 | $4,726 | 6.375% | — | 7 | +$753 | |
| 18 | $5,759 | 6.500% | — | 7 | +$1,786 | |
| 19 | $6,512 | 5.188% | — | 26 | +$2,539 | |
| 20 | $16,115 | 6.688% | — | 2 | +$12,142 |
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 | Five Star Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $215,000 | $335,000 | −$120,000 (−35.8%) |
| Median total closing costs | $3,973 | $7,127 | −$3,154 (−44.3%) |
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.