Purchase Originations
232
Median Total Costs
$5,299
−20.7% vs national ($6,680)
↑ $403 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,295
Median Lender Credits
$4,000
Denial Rate
10.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 232 | 6.500% | $5,299 | $1,295 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 229 | 6.500% | $5,317 | #138 |
| Oregon | 2 | 6.312% | $4,469 | — |
| Nevada | 1 | 6.250% | $3,961 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,991 | 6.500% | — | 33 | −$1,308 | |
| 2 | $4,060 | 6.625% | — | 21 | −$1,239 | |
| 3 | $4,154 | 6.625% | — | 6 | −$1,145 | |
| 4 | $4,379 | 6.875% | — | 14 | −$920 | |
| 5 | $4,721 | 6.000% | — | 13 | −$578 | |
| 6 | $4,903 | 6.625% | — | 2 | −$396 | |
| 7 | $4,948 | 7.125% | — | 5 | −$351 | |
| 8 | $5,006 | 7.125% | — | 6 | −$293 | |
| 9 | $5,408 | 6.750% | — | 8 | +$109 | |
| 10 | $5,465 | 6.500% | — | 54 | +$166 | |
| 11 | $5,766 | 6.375% | — | 11 | +$467 | |
| 12 | $6,074 | 6.312% | — | 4 | +$775 | |
| 13 | $6,222 | 6.688% | — | 6 | +$923 | |
| 14 | $6,224 | 5.938% | — | 4 | +$925 | |
| 15 | $6,487 | 6.625% | — | 3 | +$1,188 | |
| 16 | $7,208 | 6.500% | — | 9 | +$1,909 | |
| 17 | $7,252 | 6.250% | — | 8 | +$1,953 | |
| 18 | $7,465 | 6.250% | — | 3 | +$2,166 | |
| 19 | $7,795 | 6.062% | — | 2 | +$2,496 | |
| 20 | $8,111 | 6.875% | — | 3 | +$2,812 |
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 | Tri Counties Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $5,299 | $7,127 | −$1,828 (−25.6%) |
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.