Purchase Originations
146
Median Total Costs
$6,726
+0.7% vs national ($6,680)
↓ $349 vs prior year
Median Rate
6.188%
−4.7% vs national (6.490%)
↓ 0.437% vs prior year
Median Origination
$2,140
Median Lender Credits
$242
Denial Rate
4.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 123 | 6.250% | $6,357 | $2,420 |
| fha | 20 | 5.832% | $9,356 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 146 | 6.188% | $6,726 | #237 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,252 | 6.500% | — | 1 | −$2,474 | |
| 2 | $5,234 | 6.250% | — | 1 | −$1,492 | |
| 3 | $5,956 | 6.030% | — | 6 | −$770 | |
| 4 | $6,419 | 6.250% | — | 82 | −$307 | |
| 5 | $6,594 | 6.438% | — | 34 | −$132 | |
| 6 | $6,662 | 6.490% | — | 1 | −$64 | |
| 7 | $6,933 | 5.875% | — | 1 | +$207 | |
| 8 | $8,317 | 5.875% | — | 3 | +$1,591 | |
| 9 | $8,758 | 5.990% | — | 11 | +$2,032 | |
| 10 | $9,451 | 6.125% | — | 6 | +$2,725 |
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 | JSC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $275,000 | $335,000 | −$60,000 (−17.9%) |
| Median total closing costs | $6,726 | $7,127 | −$401 (−5.6%) |
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.