Purchase Originations
249
Median Total Costs
$3,813
−42.9% vs national ($6,680)
↑ $129 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,295
Median Lender Credits
$3,000
Denial Rate
0.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 130 | 6.750% | $3,619 | $1,550 |
| fha | 95 | 6.625% | $3,819 | $0 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,351 | 6.750% | — | 3 | −$2,462 | |
| 2 | $2,787 | 6.812% | — | 4 | −$1,026 | |
| 3 | $2,853 | 6.625% | — | 3 | −$960 | |
| 4 | $3,142 | 6.625% | — | 53 | −$671 | |
| 5 | $3,176 | 6.625% | — | 5 | −$637 | |
| 6 | $3,431 | 6.812% | — | 2 | −$382 | |
| 7 | $3,531 | 6.500% | — | 7 | −$282 | |
| 8 | $3,830 | 6.625% | — | 59 | +$17 | |
| 9 | $3,900 | 6.500% | — | 7 | +$87 | |
| 10 | $3,914 | 6.875% | — | 3 | +$101 | |
| 11 | $3,927 | 6.812% | — | 4 | +$114 | |
| 12 | $3,949 | 6.875% | — | 9 | +$136 | |
| 13 | $4,130 | 6.250% | — | 3 | +$317 | |
| 14 | $4,290 | 6.875% | — | 22 | +$477 | |
| 15 | $4,665 | 6.750% | — | 10 | +$852 | |
| 16 | $4,698 | 7.000% | — | 3 | +$885 | |
| 17 | $4,755 | 6.995% | — | 4 | +$942 | |
| 18 | $4,858 | 6.562% | — | 6 | +$1,045 | |
| 19 | $4,899 | 6.625% | — | 10 | +$1,086 | |
| 20 | $7,099 | 6.625% | — | 6 | +$3,286 |
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 | Frontier Financial, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $185,000 | $335,000 | −$150,000 (−44.8%) |
| Median total closing costs | $3,813 | $7,127 | −$3,314 (−46.5%) |
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.