Purchase Originations
123
Median Total Costs
$925
−86.2% vs national ($6,680)
↓ $10 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$495
Median Lender Credits
$601
Denial Rate
5.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 123 | 6.500% | $925 | $495 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 122 | 6.500% | $925 | #180 |
| Nevada | 1 | 6.875% | $10,331 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $495 | 7.875% | — | 1 | −$430 | |
| 2 | $495 | 7.125% | — | 1 | −$430 | |
| 3 | $595 | 6.750% | — | 1 | −$330 | |
| 4 | $742 | 7.000% | — | 4 | −$183 | |
| 5 | $800 | 7.500% | — | 1 | −$125 | |
| 6 | $820 | 7.500% | — | 1 | −$105 | |
| 7 | $838 | 6.438% | — | 4 | −$87 | |
| 8 | $890 | 6.500% | — | 17 | −$35 | |
| 9 | $908 | 6.750% | — | 8 | −$17 | |
| 10 | $908 | 6.562% | — | 2 | −$17 | |
| 11 | $916 | 7.250% | — | 4 | −$9 | |
| 12 | $925 | 6.500% | — | 43 | +$0 | |
| 13 | $925 | 6.375% | — | 7 | +$0 | |
| 14 | $980 | 6.500% | — | 6 | +$55 | |
| 15 | $1,061 | 6.683% | — | 2 | +$136 | |
| 16 | $1,111 | 6.812% | — | 2 | +$186 | |
| 17 | $3,760 | 7.115% | — | 1 | +$2,835 | |
| 18 | $4,159 | 6.000% | — | 1 | +$3,234 | |
| 19 | $4,714 | 6.188% | — | 2 | +$3,789 | |
| 20 | $7,189 | 6.250% | — | 10 | +$6,264 |
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 | Fremont Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $655,000 | $335,000 | +$320,000 (+95.5%) |
| Median total closing costs | $925 | $7,127 | −$6,202 (−87.0%) |
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.