Purchase Originations
2,159
Ranked #207 nationally
Median Total Costs
$3,441
−48.5% vs national ($6,680)
↑ $143 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$510
Median Lender Credits
$150
Cost Rank (500+ vol.)
#67
among lenders with 500+ originations
Denial Rate
0.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,030 | 6.125% | $3,376 | $510 |
| fha | 83 | 6.000% | $7,308 | $510 |
| va | 46 | 6.125% | $4,374 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Missouri | 946 | 6.250% | $3,106 | #16 |
| California | 109 | 6.000% | $6,410 | #189 |
| Florida | 98 | 6.000% | $4,746 | #232 |
| Illinois | 86 | 6.125% | $5,256 | #160 |
| Texas | 80 | 6.000% | $4,764 | #301 |
| New York | 55 | 6.000% | $4,915 | #148 |
| New Jersey | 50 | 6.125% | $6,105 | #154 |
| Colorado | 49 | 6.000% | $2,784 | — |
| North Carolina | 49 | 6.125% | $3,136 | — |
| Alabama | 48 | 6.000% | $3,088 | — |
| Georgia | 46 | 5.875% | $4,290 | — |
| Pennsylvania | 43 | 6.125% | $4,616 | — |
| Tennessee | 35 | 6.000% | $3,744 | — |
| Michigan | 34 | 6.000% | $3,095 | — |
| Ohio | 32 | 6.062% | $3,196 | — |
| Washington | 31 | 6.000% | $4,457 | — |
| Indiana | 29 | 6.000% | $2,237 | — |
| South Carolina | 29 | 6.125% | $4,028 | — |
| Arizona | 27 | 6.125% | $4,840 | — |
| Virginia | 27 | 5.875% | $4,056 | — |
| Minnesota | 26 | 6.125% | $3,330 | — |
| Wisconsin | 26 | 6.000% | $2,322 | — |
| Oregon | 21 | 6.000% | $3,758 | — |
| Massachusetts | 18 | 5.938% | $4,545 | — |
| Montana | 16 | 6.000% | $3,908 | — |
| Idaho | 14 | 6.125% | $3,420 | — |
| Nevada | 13 | 5.875% | $4,296 | — |
| Connecticut | 10 | 6.438% | $4,082 | — |
| Kentucky | 10 | 5.875% | $3,566 | — |
| Maryland | 10 | 6.125% | $4,744 | — |
| Mississippi | 10 | 5.875% | $3,522 | — |
| New Mexico | 10 | 5.938% | $2,840 | — |
| Kansas | 9 | 5.875% | $2,280 | — |
| Oklahoma | 9 | 6.125% | $3,910 | — |
| Utah | 9 | 6.000% | $3,438 | — |
| Wyoming | 9 | 6.125% | $2,780 | — |
| Iowa | 7 | 6.125% | $2,362 | — |
| Arkansas | 5 | 5.875% | $2,512 | — |
| Louisiana | 4 | 6.062% | $3,922 | — |
| New Hampshire | 4 | 5.875% | $3,083 | — |
| Delaware | 3 | 6.125% | $4,075 | — |
| Alaska | 2 | 6.062% | $4,817 | — |
| Hawaii | 2 | 5.938% | $6,324 | — |
| North Dakota | 2 | 6.312% | $3,517 | — |
| Nebraska | 2 | 5.875% | $3,365 | — |
| Vermont | 2 | 5.500% | $4,954 | — |
| District of Columbia | 1 | 5.125% | $6,348 | — |
| Rhode Island | 1 | 5.250% | $3,086 | — |
| South Dakota | 1 | 6.000% | $2,576 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,815 | 5.938% | — | 12 | −$626 | |
| 2 | $2,900 | 6.375% | — | 19 | −$541 | |
| 3 | $2,932 | 6.250% | — | 108 | −$509 | |
| 4 | $2,951 | 6.375% | — | 55 | −$490 | |
| 5 | $3,002 | 6.062% | — | 12 | −$439 | |
| 6 | $3,003 | 6.188% | — | 18 | −$438 | |
| 7 | $3,014 | 6.375% | — | 231 | −$427 | |
| 8 | $3,120 | 6.375% | — | 10 | −$321 | |
| 9 | $3,320 | 6.250% | — | 483 | −$121 | |
| 10 | $3,690 | 6.000% | — | 13 | +$249 | |
| 11 | $4,034 | 6.000% | — | 11 | +$593 | |
| 12 | $4,379 | 6.000% | — | 20 | +$938 | |
| 13 | $4,631 | 6.125% | — | 13 | +$1,190 | |
| 14 | $5,076 | 6.125% | — | 19 | +$1,635 | |
| 15 | $5,956 | 6.000% | — | 31 | +$2,515 | |
| 16 | $6,401 | 5.875% | — | 17 | +$2,960 | |
| 17 | $6,524 | 5.938% | — | 16 | +$3,083 | |
| 18 | $6,782 | 6.375% | — | 9 | +$3,341 | |
| 19 | $7,882 | 5.875% | — | 13 | +$4,441 | |
| 20 | $9,854 | 6.000% | — | 25 | +$6,413 |
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 | Stifel Bank and Trust | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $395,000 | $335,000 | +$60,000 (+17.9%) |
| Median total closing costs | $3,441 | $7,127 | −$3,686 (−51.7%) |
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.