Purchase Originations
211
Median Total Costs
$10,533
+57.7% vs national ($6,680)
↓ $350 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↑ 0.125% vs prior year
Median Origination
$4,047
Median Lender Credits
$2,543
Denial Rate
4.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 105 | 6.500% | $7,724 | $3,412 |
| fha | 58 | 5.995% | $15,286 | $4,134 |
| va | 48 | 6.000% | $9,576 | $4,474 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,336 | 6.990% | — | 1 | −$4,197 | |
| 2 | $6,751 | 7.250% | — | 1 | −$3,782 | |
| 3 | $7,534 | 7.250% | — | 1 | −$2,999 | |
| 4 | $9,037 | 6.625% | — | 40 | −$1,496 | |
| 5 | $9,417 | 6.625% | — | 13 | −$1,116 | |
| 6 | $9,453 | 6.375% | — | 1 | −$1,080 | |
| 7 | $10,546 | 6.188% | — | 106 | +$13 | |
| 8 | $12,730 | 5.990% | — | 37 | +$2,197 | |
| 9 | $12,733 | 6.183% | — | 2 | +$2,200 | |
| 10 | $13,175 | 6.438% | — | 8 | +$2,642 | |
| 11 | $14,167 | 7.625% | — | 1 | +$3,634 |
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 | Trinity Oaks Mortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $445,000 | $335,000 | +$110,000 (+32.8%) |
| Median total closing costs | $10,533 | $7,127 | +$3,406 (+47.8%) |
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.