Purchase Originations
412
Median Total Costs
$8,861
+32.6% vs national ($6,680)
↓ $347 vs prior year
Median Rate
5.750%
−11.4% vs national (6.490%)
↓ 0.500% vs prior year
Median Origination
$3,636
Median Lender Credits
$67
Denial Rate
8.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 297 | 5.750% | $9,203 | $3,498 |
| usda | 55 | 5.750% | $8,486 | $4,093 |
| conventional | 37 | 7.500% | $7,883 | $5,054 |
| va | 23 | 5.750% | $8,534 | $3,460 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Puerto Rico | 412 | 5.750% | $8,861 | #10 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,656 | 5.750% | — | 6 | −$2,205 | |
| 2 | $7,537 | 5.750% | — | 8 | −$1,324 | |
| 3 | $7,685 | 5.750% | — | 20 | −$1,176 | |
| 4 | $8,062 | 5.750% | — | 10 | −$799 | |
| 5 | $8,396 | 5.875% | — | 8 | −$465 | |
| 6 | $8,514 | 5.875% | — | 10 | −$347 | |
| 7 | $8,566 | 5.750% | — | 7 | −$295 | |
| 8 | $8,629 | 5.750% | — | 5 | −$232 | |
| 9 | $8,660 | 5.750% | — | 23 | −$201 | |
| 10 | $8,663 | 5.750% | — | 13 | −$198 | |
| 11 | $8,769 | 5.750% | — | 7 | −$92 | |
| 12 | $8,836 | 5.750% | — | 8 | −$25 | |
| 13 | $8,847 | 5.750% | — | 15 | −$14 | |
| 14 | $9,187 | 5.750% | — | 15 | +$326 | |
| 15 | $9,426 | 5.750% | — | 16 | +$565 | |
| 16 | $9,485 | 5.750% | — | 30 | +$624 | |
| 17 | $9,625 | 5.750% | — | 69 | +$764 | |
| 18 | $9,634 | 5.750% | — | 39 | +$773 | |
| 19 | $9,722 | 5.750% | — | 11 | +$861 | |
| 20 | $12,523 | 5.750% | — | 6 | +$3,662 |
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 | Trust Mortgage, Corp | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $135,000 | $335,000 | −$200,000 (−59.7%) |
| Median total closing costs | $8,861 | $7,127 | +$1,734 (+24.3%) |
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.