Purchase Originations
349
Median Total Costs
$5,054
−24.3% vs national ($6,680)
↓ $333 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$875
Median Lender Credits
$30
Denial Rate
2.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 212 | 6.433% | $4,461 | $845 |
| fha | 81 | 6.000% | $9,108 | $1,220 |
| va | 41 | 6.125% | $10,069 | $1,220 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,844 | 5.625% | — | 1 | −$2,210 | |
| 2 | $2,983 | 6.875% | — | 1 | −$2,071 | |
| 3 | $3,131 | 6.750% | — | 1 | −$1,923 | |
| 4 | $3,320 | 6.625% | — | 1 | −$1,734 | |
| 5 | $3,679 | 6.562% | — | 2 | −$1,375 | |
| 6 | $3,845 | 6.750% | — | 1 | −$1,209 | |
| 7 | $3,992 | 5.990% | — | 1 | −$1,062 | |
| 8 | $4,230 | 6.058% | — | 16 | −$824 | |
| 9 | $4,545 | 6.125% | — | 1 | −$509 | |
| 10 | $4,604 | 6.750% | — | 1 | −$450 | |
| 11 | $4,762 | 6.875% | — | 1 | −$292 | |
| 12 | $4,826 | 6.490% | — | 1 | −$228 | |
| 13 | $5,156 | 6.250% | — | 1 | +$102 | |
| 14 | $5,216 | 6.188% | — | 74 | +$162 | |
| 15 | $5,241 | 6.125% | — | 215 | +$187 | |
| 16 | $5,586 | 6.562% | — | 2 | +$532 | |
| 17 | $7,600 | 5.750% | — | 1 | +$2,546 | |
| 18 | $7,735 | 6.125% | — | 19 | +$2,681 | |
| 19 | $10,116 | 6.250% | — | 1 | +$5,062 | |
| 20 | $10,795 | 6.125% | — | 1 | +$5,741 |
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 | Patriot Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $285,000 | $335,000 | −$50,000 (−14.9%) |
| Median total closing costs | $5,054 | $7,127 | −$2,073 (−29.1%) |
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.