Purchase Originations
2,801
Ranked #167 nationally
Median Total Costs
$5,135
−23.1% vs national ($6,680)
↑ $1,147 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.058% vs prior year
Median Origination
$1,408
Median Lender Credits
$2,266
Cost Rank (500+ vol.)
#206
among lenders with 500+ originations
Denial Rate
5.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,389 | 6.625% | $4,615 | $1,407 |
| fha | 323 | 6.250% | $9,604 | $1,408 |
| va | 85 | 6.250% | $7,125 | $1,662 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Michigan | 1,763 | 6.625% | $4,120 | #9 |
| New York | 303 | 6.375% | $12,942 | #65 |
| Virginia | 119 | 6.250% | $9,583 | #116 |
| California | 101 | 6.375% | $12,095 | #199 |
| Maryland | 94 | 6.250% | $8,186 | #100 |
| Florida | 55 | 6.375% | $8,490 | #311 |
| Kentucky | 48 | 6.500% | $7,310 | — |
| Ohio | 39 | 6.490% | $3,248 | — |
| Indiana | 36 | 6.625% | $5,251 | — |
| Texas | 36 | 6.375% | $8,804 | — |
| Connecticut | 33 | 6.375% | $13,059 | — |
| Pennsylvania | 23 | 6.490% | $12,073 | — |
| Tennessee | 22 | 6.250% | $8,238 | — |
| Massachusetts | 21 | 6.490% | $5,531 | — |
| Illinois | 18 | 6.125% | $6,583 | — |
| North Carolina | 14 | 6.124% | $7,481 | — |
| Georgia | 12 | 6.438% | $6,533 | — |
| Arizona | 10 | 6.062% | $8,825 | — |
| South Carolina | 9 | 6.625% | $6,167 | — |
| District of Columbia | 6 | 6.688% | $7,928 | — |
| Maine | 5 | 6.625% | $3,984 | — |
| Missouri | 5 | 6.490% | $2,554 | — |
| West Virginia | 5 | 6.124% | $11,939 | — |
| Delaware | 4 | 6.240% | $5,733 | — |
| New Hampshire | 4 | 6.500% | $5,634 | — |
| Wisconsin | 3 | 6.750% | $3,125 | — |
| Colorado | 2 | 5.938% | $9,951 | — |
| Oregon | 2 | 6.740% | $11,137 | — |
| Utah | 2 | 6.500% | $4,119 | — |
| Alabama | 1 | 5.990% | $7,239 | — |
| Kansas | 1 | 6.990% | $2,629 | — |
| Montana | 1 | 6.625% | $3,481 | — |
| Nebraska | 1 | 6.750% | $3,242 | — |
| Oklahoma | 1 | 7.125% | $6,479 | — |
| Vermont | 1 | 6.990% | $5,688 | — |
| Washington | 1 | 6.000% | $8,268 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,625 | 6.625% | — | 48 | −$1,510 | |
| 2 | $3,657 | 6.750% | — | 133 | −$1,478 | |
| 3 | $3,723 | 6.625% | — | 376 | −$1,412 | |
| 4 | $3,811 | 6.625% | — | 46 | −$1,324 | |
| 5 | $3,938 | 6.625% | — | 148 | −$1,197 | |
| 6 | $4,083 | 6.625% | — | 135 | −$1,052 | |
| 7 | $4,147 | 6.750% | — | 57 | −$988 | |
| 8 | $4,213 | 6.625% | — | 79 | −$922 | |
| 9 | $4,566 | 6.625% | — | 60 | −$569 | |
| 10 | $4,620 | 6.625% | — | 77 | −$515 | |
| 11 | $4,685 | 6.750% | — | 87 | −$450 | |
| 12 | $4,856 | 6.625% | — | 41 | −$279 | |
| 13 | $4,958 | 6.625% | — | 28 | −$177 | |
| 14 | $5,402 | 6.625% | — | 90 | +$267 | |
| 15 | $5,997 | 6.750% | — | 53 | +$862 | |
| 16 | $6,076 | 6.375% | — | 27 | +$941 | |
| 17 | $13,885 | 6.375% | — | 54 | +$8,750 | |
| 18 | $14,062 | 6.375% | — | 31 | +$8,927 | |
| 19 | $15,645 | 6.433% | — | 48 | +$10,510 | |
| 20 | $16,172 | 6.375% | — | 36 | +$11,037 |
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 | The Dart Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $325,000 | $335,000 | −$10,000 (−3.0%) |
| Median total closing costs | $5,135 | $7,127 | −$1,992 (−28.0%) |
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.