Purchase Originations
154
Median Total Costs
$3,616
−45.9% vs national ($6,680)
↑ $443 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,331
Median Lender Credits
$922
Denial Rate
4.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 146 | 6.375% | $3,607 | $1,331 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Wisconsin | 154 | 6.375% | $3,616 | #70 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,741 | 6.562% | — | 2 | −$875 | |
| 2 | $3,042 | 5.990% | — | 1 | −$574 | |
| 3 | $3,068 | 6.250% | — | 2 | −$548 | |
| 4 | $3,137 | 6.375% | — | 8 | −$479 | |
| 5 | $3,152 | 6.250% | — | 1 | −$464 | |
| 6 | $3,182 | 6.120% | — | 6 | −$434 | |
| 7 | $3,247 | 6.500% | — | 17 | −$369 | |
| 8 | $3,278 | 6.875% | — | 1 | −$338 | |
| 9 | $3,357 | 6.375% | — | 1 | −$259 | |
| 10 | $3,475 | 6.490% | — | 1 | −$141 | |
| 11 | $3,690 | 6.375% | — | 48 | +$74 | |
| 12 | $3,761 | 6.375% | — | 51 | +$145 | |
| 13 | $3,920 | 6.000% | — | 1 | +$304 | |
| 14 | $4,010 | 6.250% | — | 13 | +$394 | |
| 15 | $4,169 | 6.500% | — | 1 | +$553 |
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 Equitable Bank, S.S.B. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $330,000 | $335,000 | −$5,000 (−1.5%) |
| Median total closing costs | $3,616 | $7,127 | −$3,511 (−49.3%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
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.