Purchase Originations
243
Median Total Costs
$5,631
−15.7% vs national ($6,680)
↓ $274 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$900
Median Lender Credits
$73
Denial Rate
2.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 243 | 6.625% | $5,631 | $900 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 239 | 6.625% | $5,602 | #95 |
| Florida | 1 | 6.500% | $3,379 | — |
| North Carolina | 1 | 6.500% | $24,626 | — |
| New Jersey | 1 | 6.500% | $5,844 | — |
| New York | 1 | 6.625% | $8,674 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,379 | 6.500% | — | 1 | −$2,252 | |
| 2 | $4,261 | 7.000% | — | 1 | −$1,370 | |
| 3 | $4,606 | 6.625% | — | 17 | −$1,025 | |
| 4 | $4,821 | 6.625% | — | 46 | −$810 | |
| 5 | $4,824 | 6.625% | — | 35 | −$807 | |
| 6 | $5,115 | 7.125% | — | 3 | −$516 | |
| 7 | $5,775 | 6.750% | — | 4 | +$144 | |
| 8 | $5,776 | 6.688% | — | 16 | +$145 | |
| 9 | $5,844 | 6.500% | — | 1 | +$213 | |
| 10 | $5,940 | 6.625% | — | 100 | +$309 | |
| 11 | $6,036 | 7.000% | — | 1 | +$405 | |
| 12 | $6,117 | 6.875% | — | 4 | +$486 | |
| 13 | $6,380 | 7.000% | — | 1 | +$749 | |
| 14 | $6,951 | 6.438% | — | 2 | +$1,320 | |
| 15 | $7,278 | 7.375% | — | 1 | +$1,647 | |
| 16 | $7,585 | 6.995% | — | 8 | +$1,954 | |
| 17 | $8,674 | 6.625% | — | 1 | +$3,043 | |
| 18 | $24,626 | 6.500% | — | 1 | +$18,995 |
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 Fidelity Deposit and Discount Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $285,000 | $335,000 | −$50,000 (−14.9%) |
| Median total closing costs | $5,631 | $7,127 | −$1,496 (−21.0%) |
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.