Purchase Originations
360
Median Total Costs
$8,762
+31.2% vs national ($6,680)
↑ $618 vs prior year
Median Rate
5.750%
−11.4% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$1,595
Median Lender Credits
$50
Denial Rate
3.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 238 | 5.750% | $12,106 | $2,352 |
| conventional | 64 | 6.062% | $4,905 | $580 |
| va | 58 | 5.750% | $1,735 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 360 | 5.750% | $8,762 | #141 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $7,117 | 5.750% | — | 38 | −$1,645 | |
| 2 | $7,268 | 6.125% | — | 25 | −$1,494 | |
| 3 | $7,886 | 5.750% | — | 96 | −$876 | |
| 4 | $8,148 | 5.490% | — | 3 | −$614 | |
| 5 | $8,235 | 5.750% | — | 35 | −$527 | |
| 6 | $8,924 | 6.125% | — | 1 | +$162 | |
| 7 | $9,481 | 5.750% | — | 83 | +$719 | |
| 8 | $10,243 | 5.120% | — | 6 | +$1,481 | |
| 9 | $10,428 | 5.750% | — | 26 | +$1,666 | |
| 10 | $10,678 | 6.125% | — | 1 | +$1,916 | |
| 11 | $10,701 | 5.750% | — | 39 | +$1,939 | |
| 12 | $10,771 | 6.250% | — | 1 | +$2,009 | |
| 13 | $13,677 | 5.990% | — | 5 | +$4,915 | |
| 14 | $27,640 | 6.250% | — | 1 | +$18,878 |
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 | Stone Meadow Lending, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $315,000 | $335,000 | −$20,000 (−6.0%) |
| Median total closing costs | $8,762 | $7,127 | +$1,635 (+22.9%) |
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.