Purchase Originations
407
Median Total Costs
$3,072
−54.0% vs national ($6,680)
↑ $162 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↑ 0.125% vs prior year
Median Origination
$995
Median Lender Credits
$249
Denial Rate
1.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 402 | 6.750% | $3,070 | $995 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,451 | 6.875% | — | 1 | −$621 | |
| 2 | $2,591 | 6.500% | — | 1 | −$481 | |
| 3 | $2,710 | 6.500% | — | 3 | −$362 | |
| 4 | $2,776 | 6.750% | — | 53 | −$296 | |
| 5 | $2,814 | 6.750% | — | 13 | −$258 | |
| 6 | $2,853 | 6.938% | — | 6 | −$219 | |
| 7 | $2,881 | 6.750% | — | 53 | −$191 | |
| 8 | $2,898 | 7.188% | — | 2 | −$174 | |
| 9 | $2,919 | 6.875% | — | 5 | −$153 | |
| 10 | $2,972 | 6.625% | — | 11 | −$100 | |
| 11 | $3,025 | 6.750% | — | 20 | −$47 | |
| 12 | $3,232 | 6.750% | — | 1 | +$160 | |
| 13 | $3,288 | 7.000% | — | 2 | +$216 | |
| 14 | $3,307 | 6.625% | — | 200 | +$235 | |
| 15 | $3,328 | 6.500% | — | 17 | +$256 | |
| 16 | $3,599 | 6.250% | — | 5 | +$527 | |
| 17 | $3,848 | 6.250% | — | 1 | +$776 | |
| 18 | $4,137 | 6.750% | — | 2 | +$1,065 | |
| 19 | $4,157 | 6.000% | — | 1 | +$1,085 | |
| 20 | $5,701 | 6.875% | — | 1 | +$2,629 |
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 | Peoples Bank and Trust Company | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $205,000 | $335,000 | −$130,000 (−38.8%) |
| Median total closing costs | $3,072 | $7,127 | −$4,055 (−56.9%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
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.