Purchase Originations
698
Ranked #502 nationally
Median Total Costs
$3,875
−42.0% vs national ($6,680)
↑ $79 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$975
Median Lender Credits
$32
Cost Rank (500+ vol.)
#97
among lenders with 500+ originations
Denial Rate
2.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 648 | 6.500% | $3,788 | $975 |
| fha | 37 | 6.250% | $8,500 | $1,085 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,215 | 6.375% | — | 7 | −$660 | |
| 2 | $3,290 | 6.500% | — | 58 | −$585 | |
| 3 | $3,304 | 6.500% | — | 22 | −$571 | |
| 4 | $3,329 | 6.000% | — | 11 | −$546 | |
| 5 | $3,401 | 6.625% | — | 40 | −$474 | |
| 6 | $3,430 | 6.562% | — | 8 | −$445 | |
| 7 | $3,535 | 6.500% | — | 47 | −$340 | |
| 8 | $3,536 | 6.500% | — | 39 | −$339 | |
| 9 | $3,616 | 6.375% | — | 56 | −$259 | |
| 10 | $3,624 | 6.375% | — | 46 | −$251 | |
| 11 | $3,688 | 6.625% | — | 15 | −$187 | |
| 12 | $3,698 | 6.625% | — | 11 | −$177 | |
| 13 | $3,947 | 6.438% | — | 22 | +$72 | |
| 14 | $3,995 | 6.375% | — | 12 | +$120 | |
| 15 | $4,180 | 6.375% | — | 17 | +$305 | |
| 16 | $4,355 | 6.500% | — | 13 | +$480 | |
| 17 | $4,362 | 6.500% | — | 97 | +$487 | |
| 18 | $5,188 | 6.438% | — | 34 | +$1,313 | |
| 19 | $5,302 | 6.625% | — | 13 | +$1,427 | |
| 20 | $5,375 | 6.500% | — | 10 | +$1,500 |
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 State Bank and Trust Company | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $255,000 | $335,000 | −$80,000 (−23.9%) |
| Median total closing costs | $3,875 | $7,127 | −$3,252 (−45.6%) |
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.