Purchase Originations
390
Median Total Costs
$10,663
+59.6% vs national ($6,680)
Median Rate
6.875%
+5.9% vs national (6.490%)
Median Origination
$4,648
Median Lender Credits
$4,575
Denial Rate
0.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 390 | 6.875% | $10,663 | $4,648 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 390 | 6.875% | $10,663 | #98 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $7,351 | 7.875% | — | 1 | −$3,312 | |
| 2 | $7,958 | 6.750% | — | 15 | −$2,705 | |
| 3 | $8,182 | 7.000% | — | 4 | −$2,481 | |
| 4 | $8,360 | 6.500% | — | 2 | −$2,303 | |
| 5 | $8,397 | 7.500% | — | 5 | −$2,266 | |
| 6 | $8,681 | 6.688% | — | 14 | −$1,982 | |
| 7 | $9,097 | 7.125% | — | 1 | −$1,566 | |
| 8 | $9,624 | 7.500% | — | 2 | −$1,039 | |
| 9 | $9,992 | 6.750% | — | 72 | −$671 | |
| 10 | $11,135 | 7.375% | — | 2 | +$472 | |
| 11 | $11,364 | 6.875% | — | 264 | +$701 | |
| 12 | $12,529 | 7.750% | — | 1 | +$1,866 | |
| 13 | $12,561 | 7.250% | — | 2 | +$1,898 | |
| 14 | $15,017 | 6.500% | — | 3 | +$4,354 | |
| 15 | $17,496 | 8.000% | — | 1 | +$6,833 | |
| 16 | $24,640 | 7.875% | — | 1 | +$13,977 |
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 | JSB MORTGAGE CORPORATION | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $665,000 | $335,000 | +$330,000 (+98.5%) |
| Median total closing costs | $10,663 | $7,127 | +$3,536 (+49.6%) |
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.