Purchase Originations
146
Median Total Costs
$2,118
−68.3% vs national ($6,680)
↑ $92 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$950
Median Lender Credits
$100
Denial Rate
5.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 134 | 6.250% | $2,120 | $950 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $537 | 6.500% | — | 1 | −$1,581 | |
| 2 | $656 | 9.250% | — | 1 | −$1,462 | |
| 3 | $1,330 | 5.875% | — | 1 | −$788 | |
| 4 | $1,808 | 6.250% | — | 3 | −$310 | |
| 5 | $1,903 | 6.000% | — | 1 | −$215 | |
| 6 | $2,019 | 6.188% | — | 2 | −$99 | |
| 7 | $2,094 | 6.250% | — | 99 | −$24 | |
| 8 | $2,140 | 5.875% | — | 1 | +$22 | |
| 9 | $2,146 | 6.000% | — | 17 | +$28 | |
| 10 | $2,188 | 6.625% | — | 1 | +$70 | |
| 11 | $2,236 | 6.062% | — | 2 | +$118 | |
| 12 | $2,279 | 6.000% | — | 1 | +$161 | |
| 13 | $2,300 | 5.875% | — | 1 | +$182 | |
| 14 | $2,767 | 6.438% | — | 6 | +$649 | |
| 15 | $4,078 | 6.000% | — | 1 | +$1,960 | |
| 16 | $4,249 | 6.375% | — | 1 | +$2,131 | |
| 17 | $4,902 | 6.875% | — | 1 | +$2,784 | |
| 18 | $5,161 | 6.125% | — | 1 | +$3,043 | |
| 19 | $5,384 | 6.250% | — | 1 | +$3,266 | |
| 20 | $6,032 | 6.000% | — | 1 | +$3,914 |
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 | Intrust Bank, National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $255,000 | $335,000 | −$80,000 (−23.9%) |
| Median total closing costs | $2,118 | $7,127 | −$5,009 (−70.3%) |
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.