Purchase Originations
1,484
Ranked #283 nationally
Median Total Costs
$5,829
−12.7% vs national ($6,680)
↓ $212 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,480
Median Lender Credits
$2,500
Cost Rank (500+ vol.)
#263
among lenders with 500+ originations
Denial Rate
1.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 832 | 6.500% | $4,995 | $1,480 |
| fha | 406 | 6.000% | $9,200 | $1,879 |
| va | 218 | 6.125% | $6,561 | $1,480 |
| usda | 28 | 6.250% | $6,348 | $1,879 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Oklahoma | 1,220 | 6.125% | $6,101 | #7 |
| Missouri | 99 | 6.625% | $3,482 | #94 |
| Kansas | 64 | 6.750% | $3,473 | #88 |
| Texas | 35 | 6.375% | $7,473 | — |
| Arkansas | 7 | 6.875% | $3,815 | — |
| Arizona | 5 | 6.625% | $5,359 | — |
| Florida | 5 | 6.750% | $5,895 | — |
| Georgia | 5 | 6.250% | $5,945 | — |
| Iowa | 4 | 6.562% | $3,268 | — |
| Washington | 4 | 6.687% | $9,014 | — |
| Nebraska | 3 | 7.125% | $3,489 | — |
| New Mexico | 3 | 5.750% | $7,594 | — |
| South Carolina | 3 | 6.250% | $5,676 | — |
| Alabama | 2 | 6.375% | $13,679 | — |
| Illinois | 2 | 7.062% | $6,710 | — |
| Kentucky | 2 | 5.750% | $8,582 | — |
| North Carolina | 2 | 6.625% | $10,353 | — |
| North Dakota | 2 | 6.500% | $9,344 | — |
| New Jersey | 2 | 6.438% | $10,469 | — |
| Pennsylvania | 2 | 6.500% | $7,215 | — |
| Utah | 2 | 6.438% | $4,826 | — |
| Wyoming | 2 | 7.000% | $6,462 | — |
| California | 1 | 6.625% | $4,571 | — |
| Colorado | 1 | 6.375% | $5,371 | — |
| Louisiana | 1 | 6.500% | $9,940 | — |
| Massachusetts | 1 | 7.000% | $5,049 | — |
| Maryland | 1 | 6.250% | $26,833 | — |
| Michigan | 1 | 6.250% | $4,706 | — |
| Ohio | 1 | 6.500% | $4,413 | — |
| Tennessee | 1 | 7.625% | $3,116 | — |
| Virginia | 1 | 7.000% | $4,771 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,887 | 6.812% | — | 36 | −$2,942 | |
| 2 | $3,194 | 6.750% | — | 26 | −$2,635 | |
| 3 | $3,367 | 6.625% | — | 18 | −$2,462 | |
| 4 | $3,553 | 6.688% | — | 34 | −$2,276 | |
| 5 | $4,512 | 6.500% | — | 9 | −$1,317 | |
| 6 | $4,750 | 6.750% | — | 21 | −$1,079 | |
| 7 | $4,824 | 6.625% | — | 9 | −$1,005 | |
| 8 | $5,431 | 5.500% | — | 200 | −$398 | |
| 9 | $5,452 | 6.750% | — | 48 | −$377 | |
| 10 | $5,569 | 6.000% | — | 377 | −$260 | |
| 11 | $5,594 | 6.188% | — | 34 | −$235 | |
| 12 | $6,303 | 5.875% | — | 164 | +$474 | |
| 13 | $6,382 | 6.062% | — | 12 | +$553 | |
| 14 | $6,401 | 6.500% | — | 10 | +$572 | |
| 15 | $6,562 | 6.500% | — | 21 | +$733 | |
| 16 | $7,001 | 6.500% | — | 25 | +$1,172 | |
| 17 | $7,191 | 6.625% | — | 146 | +$1,362 | |
| 18 | $7,627 | 6.312% | — | 10 | +$1,798 | |
| 19 | $8,015 | 6.312% | — | 38 | +$2,186 | |
| 20 | $8,116 | 6.125% | — | 21 | +$2,287 |
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 | Stride Bank, National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $285,000 | $335,000 | −$50,000 (−14.9%) |
| Median total closing costs | $5,829 | $7,127 | −$1,298 (−18.2%) |
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.