Purchase Originations
379
Median Total Costs
$5,034
−24.6% vs national ($6,680)
↑ $37 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↑ 0.125% vs prior year
Median Origination
$1,145
Median Lender Credits
$524
Denial Rate
4.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 246 | 6.990% | $4,508 | $1,145 |
| fha | 74 | 6.500% | $7,820 | $936 |
| va | 42 | 6.250% | $3,931 | $0 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,206 | 6.750% | — | 2 | −$1,828 | |
| 2 | $3,851 | 6.625% | — | 33 | −$1,183 | |
| 3 | $3,869 | 6.940% | — | 15 | −$1,165 | |
| 4 | $4,115 | 6.750% | — | 4 | −$919 | |
| 5 | $4,236 | 6.375% | — | 36 | −$798 | |
| 6 | $4,677 | 7.000% | — | 19 | −$357 | |
| 7 | $4,733 | 6.812% | — | 36 | −$301 | |
| 8 | $4,748 | 6.750% | — | 45 | −$286 | |
| 9 | $4,861 | 7.000% | — | 48 | −$173 | |
| 10 | $5,308 | 6.625% | — | 12 | +$274 | |
| 11 | $5,336 | 6.438% | — | 6 | +$302 | |
| 12 | $5,566 | 6.540% | — | 29 | +$532 | |
| 13 | $6,073 | 6.990% | — | 12 | +$1,039 | |
| 14 | $6,104 | 6.250% | — | 5 | +$1,070 | |
| 15 | $6,177 | 6.375% | — | 3 | +$1,143 | |
| 16 | $6,374 | 6.688% | — | 6 | +$1,340 | |
| 17 | $6,555 | 6.750% | — | 5 | +$1,521 | |
| 18 | $7,267 | 6.500% | — | 14 | +$2,233 | |
| 19 | $9,375 | 6.375% | — | 5 | +$4,341 | |
| 20 | $10,049 | 6.625% | — | 2 | +$5,015 |
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 | Origin Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $255,000 | $335,000 | −$80,000 (−23.9%) |
| Median total closing costs | $5,034 | $7,127 | −$2,093 (−29.4%) |
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.