Purchase Originations
227
Median Total Costs
$8,248
+23.5% vs national ($6,680)
↑ $999 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,835
Median Lender Credits
$140
Denial Rate
3.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 173 | 6.750% | $7,093 | $1,765 |
| fha | 45 | 6.375% | $12,161 | $2,587 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 219 | 6.625% | $8,220 | #193 |
| Florida | 2 | 7.312% | $8,271 | — |
| Alabama | 1 | 6.250% | $16,151 | — |
| Arkansas | 1 | 6.750% | $3,825 | — |
| California | 1 | 6.625% | $9,722 | — |
| Pennsylvania | 1 | 6.500% | $12,560 | — |
| Tennessee | 1 | 6.000% | $25,613 | — |
| Wisconsin | 1 | 6.625% | $5,884 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,167 | 6.438% | — | 4 | −$3,081 | |
| 2 | $5,894 | 6.875% | — | 6 | −$2,354 | |
| 3 | $6,338 | 6.750% | — | 40 | −$1,910 | |
| 4 | $7,020 | 6.688% | — | 2 | −$1,228 | |
| 5 | $7,224 | 7.250% | — | 3 | −$1,024 | |
| 6 | $7,492 | 6.500% | — | 22 | −$756 | |
| 7 | $7,781 | 6.625% | — | 57 | −$467 | |
| 8 | $8,424 | 6.500% | — | 7 | +$176 | |
| 9 | $8,885 | 6.625% | — | 20 | +$637 | |
| 10 | $8,903 | 6.495% | — | 22 | +$655 | |
| 11 | $9,008 | 6.875% | — | 1 | +$760 | |
| 12 | $9,224 | 6.375% | — | 2 | +$976 | |
| 13 | $9,372 | 6.875% | — | 3 | +$1,124 | |
| 14 | $9,380 | 6.625% | — | 2 | +$1,132 | |
| 15 | $9,722 | 6.625% | — | 1 | +$1,474 | |
| 16 | $10,317 | 6.875% | — | 3 | +$2,069 | |
| 17 | $10,407 | 6.375% | — | 3 | +$2,159 | |
| 18 | $10,946 | 6.875% | — | 2 | +$2,698 | |
| 19 | $11,191 | 6.500% | — | 2 | +$2,943 | |
| 20 | $13,486 | 5.938% | — | 6 | +$5,238 |
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 | Susser Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $365,000 | $335,000 | +$30,000 (+9.0%) |
| Median total closing costs | $8,248 | $7,127 | +$1,121 (+15.7%) |
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.