Purchase Originations
134
Median Total Costs
$4,815
−27.9% vs national ($6,680)
↑ $131 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↓ 1.000% vs prior year
Median Origination
$250
Median Lender Credits
$136
Denial Rate
7.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 134 | 6.750% | $4,815 | $250 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 128 | 6.750% | $4,760 | #140 |
| New York | 4 | 6.562% | $5,759 | — |
| Florida | 1 | 5.875% | $6,913 | — |
| Ohio | 1 | 6.750% | $4,848 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,242 | 6.500% | — | 1 | −$3,573 | |
| 2 | $3,190 | 6.812% | — | 14 | −$1,625 | |
| 3 | $3,685 | 6.500% | — | 4 | −$1,130 | |
| 4 | $3,872 | 6.688% | — | 22 | −$943 | |
| 5 | $4,296 | 6.625% | — | 33 | −$519 | |
| 6 | $4,371 | 7.250% | — | 3 | −$444 | |
| 7 | $4,566 | 7.250% | — | 1 | −$249 | |
| 8 | $4,839 | 6.938% | — | 6 | +$24 | |
| 9 | $4,848 | 6.750% | — | 1 | +$33 | |
| 10 | $5,276 | 6.562% | — | 4 | +$461 | |
| 11 | $5,385 | 6.875% | — | 14 | +$570 | |
| 12 | $5,577 | 7.500% | — | 1 | +$762 | |
| 13 | $5,759 | 6.438% | — | 2 | +$944 | |
| 14 | $6,913 | 5.875% | — | 1 | +$2,098 | |
| 15 | $7,024 | 6.750% | — | 3 | +$2,209 | |
| 16 | $7,482 | 6.500% | — | 9 | +$2,667 | |
| 17 | $8,631 | 7.000% | — | 1 | +$3,816 | |
| 18 | $8,663 | 6.875% | — | 1 | +$3,848 | |
| 19 | $8,889 | 6.750% | — | 7 | +$4,074 | |
| 20 | $10,447 | 6.750% | — | 2 | +$5,632 |
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 | Nextier Bank, National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $220,000 | $335,000 | −$115,000 (−34.3%) |
| Median total closing costs | $4,815 | $7,127 | −$2,312 (−32.4%) |
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.