Purchase Originations
107
Median Total Costs
$14,639
+119.2% vs national ($6,680)
↑ $2,439 vs prior year
Median Rate
8.000%
+23.3% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$9,914
Median Lender Credits
$138
Denial Rate
15.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 107 | 8.000% | $14,639 | $9,914 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Washington | 106 | 8.000% | $14,654 | #106 |
| Arizona | 1 | 6.875% | $3,694 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,694 | 6.875% | — | 1 | −$10,945 | |
| 2 | $6,588 | 6.938% | — | 6 | −$8,051 | |
| 3 | $12,083 | 8.250% | — | 3 | −$2,556 | |
| 4 | $12,658 | 8.000% | — | 13 | −$1,981 | |
| 5 | $12,949 | 7.625% | — | 14 | −$1,690 | |
| 6 | $13,333 | 8.250% | — | 12 | −$1,306 | |
| 7 | $13,887 | 8.000% | — | 13 | −$752 | |
| 8 | $14,639 | 8.250% | — | 1 | +$0 | |
| 9 | $15,300 | 8.000% | — | 26 | +$661 | |
| 10 | $16,058 | 8.250% | — | 1 | +$1,419 | |
| 11 | $16,188 | 8.250% | — | 3 | +$1,549 | |
| 12 | $18,700 | 8.000% | — | 4 | +$4,061 | |
| 13 | $19,269 | 8.500% | — | 3 | +$4,630 | |
| 14 | $20,450 | 8.500% | — | 1 | +$5,811 | |
| 15 | $20,898 | 8.250% | — | 4 | +$6,259 | |
| 16 | $21,250 | 8.250% | — | 1 | +$6,611 | |
| 17 | $22,738 | 8.250% | — | 1 | +$8,099 |
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 | Timberland Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $505,000 | $335,000 | +$170,000 (+50.7%) |
| Median total closing costs | $14,639 | $7,127 | +$7,512 (+105.4%) |
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.