Purchase Originations
245
Median Total Costs
$8,215
+23.0% vs national ($6,680)
↑ $836 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$3,451
Median Lender Credits
$139
Denial Rate
4.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 199 | 6.750% | $7,700 | $3,546 |
| fha | 23 | 5.625% | $10,283 | $2,660 |
| va | 23 | 5.850% | $8,857 | $1,500 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 245 | 6.750% | $8,215 | #178 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,385 | 6.750% | — | 3 | −$3,830 | |
| 2 | $5,072 | 5.875% | — | 1 | −$3,143 | |
| 3 | $5,467 | 6.750% | — | 3 | −$2,748 | |
| 4 | $5,501 | 5.250% | — | 1 | −$2,714 | |
| 5 | $6,038 | 6.125% | — | 1 | −$2,177 | |
| 6 | $6,434 | 6.500% | — | 1 | −$1,781 | |
| 7 | $6,770 | 6.500% | — | 1 | −$1,445 | |
| 8 | $6,892 | 6.375% | — | 5 | −$1,323 | |
| 9 | $7,288 | 6.500% | — | 1 | −$927 | |
| 10 | $7,364 | 6.500% | — | 4 | −$851 | |
| 11 | $7,431 | 6.750% | — | 6 | −$784 | |
| 12 | $7,447 | 5.500% | — | 1 | −$768 | |
| 13 | $8,183 | 6.750% | — | 146 | −$32 | |
| 14 | $9,625 | 6.875% | — | 3 | +$1,410 | |
| 15 | $10,183 | 6.750% | — | 32 | +$1,968 | |
| 16 | $10,676 | 6.750% | — | 6 | +$2,461 | |
| 17 | $10,923 | 6.750% | — | 20 | +$2,708 | |
| 18 | $12,113 | 6.750% | — | 1 | +$3,898 | |
| 19 | $12,950 | 5.500% | — | 3 | +$4,735 | |
| 20 | $31,712 | 5.938% | — | 2 | +$23,497 |
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 | Jefferson Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $385,000 | $335,000 | +$50,000 (+14.9%) |
| Median total closing costs | $8,215 | $7,127 | +$1,088 (+15.3%) |
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.