Purchase Originations
161
Median Total Costs
$6,370
−4.6% vs national ($6,680)
↓ $362 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$2,505
Median Lender Credits
$803
Denial Rate
24.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 115 | 6.500% | $5,892 | $2,662 |
| fha | 28 | 6.250% | $9,891 | $2,545 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 76 | 6.625% | $7,030 | #306 |
| Louisiana | 30 | 6.250% | $5,508 | — |
| Arkansas | 18 | 6.188% | $8,376 | — |
| Oklahoma | 15 | 6.500% | $7,272 | — |
| New Mexico | 10 | 6.500% | $5,698 | — |
| Indiana | 4 | 6.250% | $4,510 | — |
| Missouri | 2 | 6.812% | $4,690 | — |
| Colorado | 1 | 6.500% | $7,654 | — |
| Florida | 1 | 6.375% | $12,844 | — |
| Kansas | 1 | 6.250% | $6,920 | — |
| Mississippi | 1 | 6.875% | $8,467 | — |
| Montana | 1 | 6.000% | $6,349 | — |
| Washington | 1 | 6.250% | $2,144 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,429 | 6.625% | — | 3 | −$2,941 | |
| 2 | $4,278 | 6.125% | — | 4 | −$2,092 | |
| 3 | $5,243 | 6.312% | — | 4 | −$1,127 | |
| 4 | $5,530 | 6.750% | — | 3 | −$840 | |
| 5 | $5,555 | 6.062% | — | 4 | −$815 | |
| 6 | $5,698 | 6.312% | — | 8 | −$672 | |
| 7 | $5,764 | 6.750% | — | 3 | −$606 | |
| 8 | $5,876 | 6.375% | — | 3 | −$494 | |
| 9 | $5,902 | 7.125% | — | 3 | −$468 | |
| 10 | $6,099 | 6.500% | — | 6 | −$271 | |
| 11 | $6,142 | 6.875% | — | 3 | −$228 | |
| 12 | $6,418 | 6.500% | — | 4 | +$48 | |
| 13 | $6,497 | 6.375% | — | 3 | +$127 | |
| 14 | $7,516 | 6.562% | — | 4 | +$1,146 | |
| 15 | $7,705 | 6.250% | — | 10 | +$1,335 | |
| 16 | $7,711 | 6.750% | — | 3 | +$1,341 | |
| 17 | $7,939 | 6.125% | — | 5 | +$1,569 | |
| 18 | $8,626 | 6.000% | — | 3 | +$2,256 | |
| 19 | $9,797 | 6.750% | — | 3 | +$3,427 | |
| 20 | $11,105 | 6.438% | — | 4 | +$4,735 |
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 | TIB National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $235,000 | $335,000 | −$100,000 (−29.9%) |
| Median total closing costs | $6,370 | $7,127 | −$757 (−10.6%) |
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.