Purchase Originations
269
Median Total Costs
$5,613
−16.0% vs national ($6,680)
↓ $643 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,300
Median Lender Credits
$500
Denial Rate
5.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 222 | 6.625% | $5,285 | $1,300 |
| fha | 40 | 6.438% | $10,870 | $1,300 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 243 | 6.500% | $5,606 | #91 |
| New Jersey | 14 | 6.562% | $5,363 | — |
| Delaware | 6 | 6.625% | $6,223 | — |
| Florida | 3 | 6.875% | $6,500 | — |
| Maryland | 1 | 6.125% | $14,778 | — |
| Tennessee | 1 | 6.750% | $5,994 | — |
| Virginia | 1 | 6.375% | $10,701 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,616 | 6.375% | — | 2 | −$1,997 | |
| 2 | $4,031 | 6.500% | — | 3 | −$1,582 | |
| 3 | $4,618 | 6.375% | — | 28 | −$995 | |
| 4 | $4,693 | 6.625% | — | 2 | −$920 | |
| 5 | $4,694 | 6.500% | — | 3 | −$919 | |
| 6 | $4,915 | 6.375% | — | 8 | −$698 | |
| 7 | $5,102 | 6.188% | — | 18 | −$511 | |
| 8 | $5,127 | 6.370% | — | 16 | −$486 | |
| 9 | $5,319 | 6.490% | — | 4 | −$294 | |
| 10 | $5,547 | 6.933% | — | 8 | −$66 | |
| 11 | $5,675 | 6.558% | — | 2 | +$62 | |
| 12 | $5,790 | 6.625% | — | 48 | +$177 | |
| 13 | $6,060 | 6.625% | — | 39 | +$447 | |
| 14 | $6,223 | 6.625% | — | 6 | +$610 | |
| 15 | $6,648 | 6.250% | — | 3 | +$1,035 | |
| 16 | $6,848 | 6.500% | — | 21 | +$1,235 | |
| 17 | $7,095 | 6.433% | — | 20 | +$1,482 | |
| 18 | $7,181 | 6.750% | — | 1 | +$1,568 | |
| 19 | $9,647 | 6.562% | — | 10 | +$4,034 | |
| 20 | $9,860 | 6.500% | — | 10 | +$4,247 |
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 | Mid Penn Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $305,000 | $335,000 | −$30,000 (−9.0%) |
| Median total closing costs | $5,613 | $7,127 | −$1,514 (−21.2%) |
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.