Purchase Originations
197
Median Total Costs
$4,771
−28.6% vs national ($6,680)
↑ $476 vs prior year
Median Rate
6.000%
−7.5% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,827
Median Lender Credits
$1,600
Denial Rate
3.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 197 | 6.000% | $4,771 | $1,827 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 197 | 6.000% | $4,771 | #87 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,842 | 5.938% | — | 4 | −$929 | |
| 2 | $4,488 | 6.000% | — | 3 | −$283 | |
| 3 | $4,590 | 6.125% | — | 142 | −$181 | |
| 4 | $4,822 | 6.000% | — | 4 | +$51 | |
| 5 | $4,878 | 5.875% | — | 2 | +$107 | |
| 6 | $5,082 | 5.875% | — | 27 | +$311 | |
| 7 | $5,179 | 5.875% | — | 10 | +$408 | |
| 8 | $6,112 | 6.000% | — | 5 | +$1,341 |
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 | Geddes Federal Savings and Loan Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $265,000 | $335,000 | −$70,000 (−20.9%) |
| Median total closing costs | $4,771 | $7,127 | −$2,356 (−33.1%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
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.