Purchase Originations
199
Median Total Costs
$4,028
−39.7% vs national ($6,680)
↑ $68 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$905
Median Lender Credits
$26
Denial Rate
10.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 199 | 6.625% | $4,028 | $905 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New Hampshire | 197 | 6.625% | $4,028 | #14 |
| Massachusetts | 1 | 6.750% | $6,223 | — |
| Maine | 1 | 6.375% | $3,570 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,985 | 6.500% | — | 3 | −$1,043 | |
| 2 | $3,191 | 7.375% | — | 1 | −$837 | |
| 3 | $3,551 | 6.625% | — | 7 | −$477 | |
| 4 | $3,570 | 6.375% | — | 1 | −$458 | |
| 5 | $3,701 | 6.625% | — | 3 | −$327 | |
| 6 | $3,868 | 6.500% | — | 84 | −$160 | |
| 7 | $4,084 | 6.625% | — | 46 | +$56 | |
| 8 | $4,516 | 6.750% | — | 44 | +$488 | |
| 9 | $6,124 | 6.938% | — | 4 | +$2,096 | |
| 10 | $6,223 | 6.750% | — | 1 | +$2,195 | |
| 11 | $7,949 | 7.000% | — | 5 | +$3,921 |
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 | ST. Mary's Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $385,000 | $335,000 | +$50,000 (+14.9%) |
| Median total closing costs | $4,028 | $7,127 | −$3,099 (−43.5%) |
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.