Purchase Originations
235
Median Total Costs
$3,525
−47.2% vs national ($6,680)
↑ $44 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$899
Median Lender Credits
$500
Denial Rate
8.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 191 | 6.500% | $3,305 | $899 |
| fha | 36 | 6.250% | $8,241 | $2,343 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,177 | 7.500% | — | 7 | −$1,348 | |
| 2 | $2,785 | 6.438% | — | 2 | −$740 | |
| 3 | $2,835 | 6.875% | — | 2 | −$690 | |
| 4 | $2,848 | 6.750% | — | 2 | −$677 | |
| 5 | $3,216 | 6.375% | — | 45 | −$309 | |
| 6 | $3,305 | 6.500% | — | 33 | −$220 | |
| 7 | $3,354 | 6.500% | — | 26 | −$171 | |
| 8 | $3,422 | 6.625% | — | 23 | −$103 | |
| 9 | $3,747 | 6.375% | — | 7 | +$222 | |
| 10 | $3,902 | 6.375% | — | 23 | +$377 | |
| 11 | $3,922 | 7.375% | — | 3 | +$397 | |
| 12 | $3,971 | 6.500% | — | 5 | +$446 | |
| 13 | $3,976 | 6.500% | — | 3 | +$451 | |
| 14 | $4,002 | 6.375% | — | 3 | +$477 | |
| 15 | $4,906 | 6.312% | — | 8 | +$1,381 | |
| 16 | $5,219 | 6.495% | — | 12 | +$1,694 | |
| 17 | $5,875 | 6.250% | — | 5 | +$2,350 | |
| 18 | $6,080 | 6.188% | — | 6 | +$2,555 | |
| 19 | $7,001 | 6.375% | — | 3 | +$3,476 | |
| 20 | $8,472 | 6.125% | — | 3 | +$4,947 |
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 | Traditional Bank, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $235,000 | $335,000 | −$100,000 (−29.9%) |
| Median total closing costs | $3,525 | $7,127 | −$3,602 (−50.5%) |
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.