Purchase Originations
119
Median Total Costs
$6,807
+1.9% vs national ($6,680)
↓ $77 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$270
Median Lender Credits
$250
Denial Rate
5.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 119 | 6.500% | $6,807 | $270 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New Jersey | 117 | 6.500% | $6,870 | #100 |
| Florida | 1 | 5.875% | $4,908 | — |
| New York | 1 | 6.375% | $5,476 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,204 | 6.875% | — | 1 | −$3,603 | |
| 2 | $4,908 | 5.875% | — | 1 | −$1,899 | |
| 3 | $5,476 | 6.375% | — | 1 | −$1,331 | |
| 4 | $5,491 | 7.125% | — | 1 | −$1,316 | |
| 5 | $6,124 | 6.500% | — | 1 | −$683 | |
| 6 | $6,722 | 6.500% | — | 69 | −$85 | |
| 7 | $6,732 | 6.500% | — | 2 | −$75 | |
| 8 | $6,982 | 6.500% | — | 28 | +$175 | |
| 9 | $7,055 | 6.562% | — | 6 | +$248 | |
| 10 | $7,347 | 6.750% | — | 3 | +$540 | |
| 11 | $7,612 | 6.875% | — | 1 | +$805 | |
| 12 | $10,387 | 6.250% | — | 1 | +$3,580 | |
| 13 | $10,791 | 6.312% | — | 2 | +$3,984 | |
| 14 | $11,627 | 6.125% | — | 1 | +$4,820 | |
| 15 | $27,334 | 6.625% | — | 1 | +$20,527 |
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 | Manasquan Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $435,000 | $335,000 | +$100,000 (+29.9%) |
| Median total closing costs | $6,807 | $7,127 | −$320 (−4.5%) |
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.