Purchase Originations
243
Median Total Costs
$7,210
+7.9% vs national ($6,680)
↓ $239 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,932
Median Lender Credits
$616
Denial Rate
2.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 159 | 6.375% | $5,961 | $1,993 |
| fha | 76 | 6.375% | $9,668 | $1,758 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 220 | 6.375% | $7,235 | #102 |
| New Jersey | 18 | 6.375% | $6,423 | — |
| Delaware | 4 | 6.312% | $6,133 | — |
| New York | 1 | 6.125% | $10,532 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,589 | 6.250% | — | 1 | −$2,621 | |
| 2 | $5,280 | 6.375% | — | 10 | −$1,930 | |
| 3 | $5,438 | 6.438% | — | 2 | −$1,772 | |
| 4 | $5,564 | 6.375% | — | 3 | −$1,646 | |
| 5 | $6,121 | 6.688% | — | 2 | −$1,089 | |
| 6 | $6,434 | 6.375% | — | 15 | −$776 | |
| 7 | $6,562 | 6.125% | — | 4 | −$648 | |
| 8 | $6,564 | 6.312% | — | 120 | −$646 | |
| 9 | $6,701 | 5.875% | — | 1 | −$509 | |
| 10 | $7,231 | 6.500% | — | 1 | +$21 | |
| 11 | $7,511 | 6.500% | — | 3 | +$301 | |
| 12 | $7,593 | 6.375% | — | 19 | +$383 | |
| 13 | $7,738 | 6.375% | — | 12 | +$528 | |
| 14 | $7,758 | 6.750% | — | 2 | +$548 | |
| 15 | $8,503 | 6.062% | — | 28 | +$1,293 | |
| 16 | $8,692 | 6.250% | — | 1 | +$1,482 | |
| 17 | $8,959 | 6.500% | — | 17 | +$1,749 | |
| 18 | $10,532 | 6.125% | — | 1 | +$3,322 | |
| 19 | $10,886 | 6.125% | — | 1 | +$3,676 |
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 | Quaint Oak Mortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $265,000 | $335,000 | −$70,000 (−20.9%) |
| Median total closing costs | $7,210 | $7,127 | +$83 (+1.2%) |
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.