Purchase Originations
205
Median Total Costs
$3,363
−49.7% vs national ($6,680)
↑ $78 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$700
Median Lender Credits
$750
Denial Rate
2.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 205 | 6.375% | $3,363 | $700 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Wisconsin | 205 | 6.375% | $3,363 | #57 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,004 | 6.125% | — | 1 | −$2,359 | |
| 2 | $2,117 | 6.000% | — | 1 | −$1,246 | |
| 3 | $2,513 | 6.312% | — | 2 | −$850 | |
| 4 | $2,677 | 5.625% | — | 1 | −$686 | |
| 5 | $2,786 | 6.375% | — | 1 | −$577 | |
| 6 | $2,886 | 6.125% | — | 1 | −$477 | |
| 7 | $2,949 | 6.375% | — | 9 | −$414 | |
| 8 | $2,953 | 6.938% | — | 2 | −$410 | |
| 9 | $3,100 | 6.500% | — | 16 | −$263 | |
| 10 | $3,158 | 5.875% | — | 3 | −$205 | |
| 11 | $3,203 | 6.062% | — | 2 | −$160 | |
| 12 | $3,456 | 6.500% | — | 13 | +$93 | |
| 13 | $3,461 | 6.375% | — | 140 | +$98 | |
| 14 | $3,653 | 6.500% | — | 9 | +$290 | |
| 15 | $4,134 | 6.625% | — | 3 | +$771 | |
| 16 | $4,588 | 7.000% | — | 1 | +$1,225 |
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 | Lake Ridge Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $355,000 | $335,000 | +$20,000 (+6.0%) |
| Median total closing costs | $3,363 | $7,127 | −$3,764 (−52.8%) |
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.