Purchase Originations
101
Median Total Costs
$2,955
−55.8% vs national ($6,680)
↑ $93 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.125% vs prior year
Median Origination
$550
Median Lender Credits
$9
Denial Rate
4.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 100 | 6.500% | $2,951 | $550 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,291 | 6.500% | — | 1 | −$664 | |
| 2 | $2,482 | 6.500% | — | 1 | −$473 | |
| 3 | $2,483 | 6.660% | — | 2 | −$472 | |
| 4 | $2,666 | 6.500% | — | 23 | −$289 | |
| 5 | $2,684 | 6.300% | — | 1 | −$271 | |
| 6 | $2,718 | 6.500% | — | 1 | −$237 | |
| 7 | $2,839 | 6.500% | — | 6 | −$116 | |
| 8 | $3,023 | 6.500% | — | 56 | +$68 | |
| 9 | $3,502 | 8.280% | — | 1 | +$547 | |
| 10 | $3,841 | 6.500% | — | 1 | +$886 | |
| 11 | $4,184 | 6.750% | — | 2 | +$1,229 | |
| 12 | $4,344 | 6.375% | — | 1 | +$1,389 | |
| 13 | $4,571 | 6.750% | — | 2 | +$1,616 | |
| 14 | $4,921 | 7.250% | — | 1 | +$1,966 | |
| 15 | $5,449 | 6.500% | — | 1 | +$2,494 | |
| 16 | $5,567 | 6.500% | — | 1 | +$2,612 |
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 | Stillman BancCorp N.A. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $225,000 | $335,000 | −$110,000 (−32.8%) |
| Median total closing costs | $2,955 | $7,127 | −$4,172 (−58.5%) |
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.