Purchase Originations
237
Median Total Costs
$5,861
−12.3% vs national ($6,680)
↑ $297 vs prior year
Median Rate
6.875%
+5.9% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,095
Median Lender Credits
$1,095
Denial Rate
4.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 228 | 6.875% | $5,762 | $1,095 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New Jersey | 202 | 6.875% | $5,898 | #65 |
| New York | 15 | 6.500% | $6,706 | — |
| Pennsylvania | 15 | 6.500% | $4,628 | — |
| Florida | 3 | 6.125% | $4,220 | — |
| Massachusetts | 1 | 6.875% | $4,346 | — |
| Maryland | 1 | 7.250% | $4,197 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,804 | 6.125% | — | 1 | −$2,057 | |
| 2 | $4,197 | 7.250% | — | 1 | −$1,664 | |
| 3 | $4,372 | 6.312% | — | 4 | −$1,489 | |
| 4 | $4,508 | 6.562% | — | 6 | −$1,353 | |
| 5 | $4,650 | 6.500% | — | 8 | −$1,211 | |
| 6 | $4,921 | 6.500% | — | 7 | −$940 | |
| 7 | $5,170 | 6.500% | — | 12 | −$691 | |
| 8 | $5,598 | 6.688% | — | 10 | −$263 | |
| 9 | $5,701 | 6.875% | — | 9 | −$160 | |
| 10 | $5,718 | 6.875% | — | 1 | −$143 | |
| 11 | $5,736 | 7.000% | — | 13 | −$125 | |
| 12 | $5,767 | 7.000% | — | 42 | −$94 | |
| 13 | $6,058 | 7.000% | — | 36 | +$197 | |
| 14 | $6,091 | 7.000% | — | 12 | +$230 | |
| 15 | $6,107 | 6.875% | — | 17 | +$246 | |
| 16 | $6,306 | 6.875% | — | 19 | +$445 | |
| 17 | $6,370 | 6.500% | — | 6 | +$509 | |
| 18 | $6,818 | 6.375% | — | 4 | +$957 | |
| 19 | $7,481 | 7.125% | — | 10 | +$1,620 | |
| 20 | $16,845 | 7.250% | — | 5 | +$10,984 |
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 | Unity Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $435,000 | $335,000 | +$100,000 (+29.9%) |
| Median total closing costs | $5,861 | $7,127 | −$1,266 (−17.8%) |
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.