Purchase Originations
1,424
Ranked #294 nationally
Median Total Costs
$6,020
−9.9% vs national ($6,680)
↑ $94 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,565
Median Lender Credits
$438
Cost Rank (500+ vol.)
#279
among lenders with 500+ originations
Denial Rate
2.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 704 | 6.625% | $4,583 | $1,795 |
| va | 398 | 6.125% | $6,318 | $0 |
| fha | 286 | 6.250% | $9,814 | $1,640 |
| usda | 36 | 6.250% | $5,362 | $1,565 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 821 | 6.250% | $7,117 | #58 |
| Michigan | 303 | 6.625% | $4,100 | #62 |
| Indiana | 202 | 6.250% | $4,478 | #82 |
| North Carolina | 24 | 6.750% | $10,674 | — |
| South Carolina | 16 | 6.120% | $6,719 | — |
| California | 13 | 5.875% | $15,042 | — |
| Georgia | 10 | 6.375% | $5,824 | — |
| Alabama | 7 | 6.625% | $5,661 | — |
| Texas | 6 | 6.062% | $10,815 | — |
| Illinois | 4 | 6.812% | $10,786 | — |
| Pennsylvania | 4 | 6.375% | $5,477 | — |
| Oklahoma | 2 | 6.562% | $2,133 | — |
| Idaho | 1 | 6.375% | $14,483 | — |
| Kansas | 1 | 6.125% | $4,126 | — |
| Kentucky | 1 | 5.250% | $6,655 | — |
| Louisiana | 1 | 6.625% | $6,298 | — |
| Maryland | 1 | 6.875% | $5,446 | — |
| Minnesota | 1 | 6.990% | $4,288 | — |
| Missouri | 1 | 6.625% | $4,253 | — |
| New Hampshire | 1 | 6.500% | $7,435 | — |
| New York | 1 | 6.250% | $6,817 | — |
| Tennessee | 1 | 6.375% | $3,719 | — |
| Virginia | 1 | 5.750% | $5,440 | — |
| Washington | 1 | 6.750% | $6,849 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,685 | 6.500% | — | 9 | −$2,335 | |
| 2 | $3,710 | 6.500% | — | 18 | −$2,310 | |
| 3 | $3,950 | 6.875% | — | 36 | −$2,070 | |
| 4 | $3,973 | 6.688% | — | 12 | −$2,047 | |
| 5 | $4,078 | 6.500% | — | 153 | −$1,942 | |
| 6 | $4,274 | 6.625% | — | 30 | −$1,746 | |
| 7 | $4,285 | 6.750% | — | 8 | −$1,735 | |
| 8 | $4,402 | 6.375% | — | 57 | −$1,618 | |
| 9 | $4,426 | 6.125% | — | 95 | −$1,594 | |
| 10 | $4,697 | 6.812% | — | 16 | −$1,323 | |
| 11 | $5,058 | 6.125% | — | 25 | −$962 | |
| 12 | $6,507 | 6.500% | — | 118 | +$487 | |
| 13 | $6,914 | 6.250% | — | 246 | +$894 | |
| 14 | $7,149 | 6.125% | — | 136 | +$1,129 | |
| 15 | $7,321 | 6.312% | — | 162 | +$1,301 | |
| 16 | $7,506 | 6.750% | — | 20 | +$1,486 | |
| 17 | $7,816 | 6.375% | — | 70 | +$1,796 | |
| 18 | $9,032 | 6.250% | — | 16 | +$3,012 | |
| 19 | $12,372 | 5.933% | — | 8 | +$6,352 | |
| 20 | $15,188 | 5.875% | — | 8 | +$9,168 |
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 | University Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $305,000 | $335,000 | −$30,000 (−9.0%) |
| Median total closing costs | $6,020 | $7,127 | −$1,107 (−15.5%) |
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.