Purchase Originations
284
Median Total Costs
$4,626
−30.8% vs national ($6,680)
↑ $228 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,800
Median Lender Credits
$100
Denial Rate
2.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 284 | 6.500% | $4,626 | $1,800 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,581 | 6.375% | — | 3 | −$1,045 | |
| 2 | $3,827 | 6.500% | — | 3 | −$799 | |
| 3 | $4,133 | 6.500% | — | 12 | −$493 | |
| 4 | $4,247 | 6.125% | — | 5 | −$379 | |
| 5 | $4,386 | 6.375% | — | 2 | −$240 | |
| 6 | $4,485 | 6.312% | — | 8 | −$141 | |
| 7 | $4,595 | 5.750% | — | 1 | −$31 | |
| 8 | $4,616 | 6.500% | — | 164 | −$10 | |
| 9 | $4,632 | 6.312% | — | 2 | +$6 | |
| 10 | $4,731 | 6.188% | — | 2 | +$105 | |
| 11 | $4,767 | 6.688% | — | 4 | +$141 | |
| 12 | $4,822 | 5.875% | — | 1 | +$196 | |
| 13 | $4,988 | 6.125% | — | 3 | +$362 | |
| 14 | $5,033 | 6.500% | — | 23 | +$407 | |
| 15 | $5,235 | 6.188% | — | 8 | +$609 | |
| 16 | $5,564 | 6.500% | — | 16 | +$938 | |
| 17 | $6,033 | 5.938% | — | 2 | +$1,407 | |
| 18 | $6,422 | 6.625% | — | 1 | +$1,796 | |
| 19 | $6,462 | 6.375% | — | 3 | +$1,836 | |
| 20 | $6,907 | 6.625% | — | 2 | +$2,281 |
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 | Think Mutual Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $345,000 | $335,000 | +$10,000 (+3.0%) |
| Median total closing costs | $4,626 | $7,127 | −$2,501 (−35.1%) |
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.