Purchase Originations
157
Median Total Costs
$4,517
−32.4% vs national ($6,680)
↑ $238 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,095
Median Lender Credits
$504
Denial Rate
2.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 152 | 6.500% | $4,497 | $1,038 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Connecticut | 157 | 6.500% | $4,517 | #36 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,206 | 6.500% | — | 29 | −$311 | |
| 2 | $4,456 | 4.750% | — | 2 | −$61 | |
| 3 | $4,475 | 6.375% | — | 75 | −$42 | |
| 4 | $4,525 | 6.250% | — | 5 | +$8 | |
| 5 | $4,601 | 6.625% | — | 6 | +$84 | |
| 6 | $4,720 | 6.500% | — | 1 | +$203 | |
| 7 | $4,940 | 6.625% | — | 39 | +$423 |
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 | Thomaston Savings Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $305,000 | $335,000 | −$30,000 (−9.0%) |
| Median total closing costs | $4,517 | $7,127 | −$2,610 (−36.6%) |
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.