Purchase Originations
135
Median Total Costs
$3,385
−49.3% vs national ($6,680)
↑ $463 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$500
Median Lender Credits
$1,000
Denial Rate
3.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 135 | 6.500% | $3,385 | $500 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,408 | 6.500% | — | 1 | −$977 | |
| 2 | $2,760 | 6.875% | — | 1 | −$625 | |
| 3 | $2,866 | 6.500% | — | 2 | −$519 | |
| 4 | $2,962 | 6.062% | — | 2 | −$423 | |
| 5 | $3,057 | 6.375% | — | 1 | −$328 | |
| 6 | $3,167 | 6.500% | — | 1 | −$218 | |
| 7 | $3,210 | 6.625% | — | 5 | −$175 | |
| 8 | $3,220 | 6.000% | — | 1 | −$165 | |
| 9 | $3,385 | 6.375% | — | 1 | +$0 | |
| 10 | $3,416 | 6.500% | — | 114 | +$31 | |
| 11 | $3,425 | 5.875% | — | 1 | +$40 | |
| 12 | $3,463 | 6.500% | — | 3 | +$78 | |
| 13 | $3,716 | 6.875% | — | 1 | +$331 | |
| 14 | $4,626 | 6.500% | — | 1 | +$1,241 |
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 Park Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $395,000 | $335,000 | +$60,000 (+17.9%) |
| Median total closing costs | $3,385 | $7,127 | −$3,742 (−52.5%) |
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.