Purchase Originations
1,031
Ranked #370 nationally
Median Total Costs
$4,580
−31.4% vs national ($6,680)
↓ $757 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$595
Median Lender Credits
$3,620
Cost Rank (500+ vol.)
#154
among lenders with 500+ originations
Denial Rate
3.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 919 | 6.375% | $4,284 | $595 |
| fha | 92 | 6.125% | $8,443 | $595 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 605 | 6.250% | $5,127 | #35 |
| Delaware | 256 | 6.250% | $3,772 | #11 |
| New Jersey | 107 | 6.500% | $3,973 | #106 |
| Maryland | 14 | 6.183% | $3,599 | — |
| Florida | 8 | 6.688% | $6,089 | — |
| Virginia | 8 | 6.438% | $4,719 | — |
| Georgia | 4 | 6.558% | $4,193 | — |
| Alabama | 3 | 6.375% | $4,440 | — |
| South Carolina | 3 | 6.990% | $7,336 | — |
| California | 2 | 6.808% | $8,677 | — |
| Colorado | 2 | 6.183% | $7,738 | — |
| Massachusetts | 2 | 6.933% | $3,966 | — |
| North Carolina | 2 | 6.562% | $5,859 | — |
| Nevada | 2 | 6.558% | $9,468 | — |
| New York | 2 | 6.188% | $5,117 | — |
| Ohio | 2 | 6.625% | $4,359 | — |
| Tennessee | 2 | 6.625% | $4,346 | — |
| Arizona | 1 | 6.375% | $3,757 | — |
| Connecticut | 1 | 5.750% | $12,829 | — |
| Indiana | 1 | 6.250% | $2,380 | — |
| Michigan | 1 | 6.625% | $2,354 | — |
| Minnesota | 1 | 5.875% | $2,073 | — |
| Texas | 1 | 6.375% | $5,482 | — |
| Washington | 1 | 6.000% | $3,826 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,124 | 5.933% | — | 8 | −$1,456 | |
| 2 | $3,406 | 6.375% | — | 36 | −$1,174 | |
| 3 | $3,666 | 6.625% | — | 10 | −$914 | |
| 4 | $3,696 | 6.438% | — | 16 | −$884 | |
| 5 | $3,725 | 6.250% | — | 25 | −$855 | |
| 6 | $3,775 | 6.250% | — | 203 | −$805 | |
| 7 | $3,900 | 6.375% | — | 28 | −$680 | |
| 8 | $4,300 | 6.250% | — | 3 | −$280 | |
| 9 | $4,440 | 6.375% | — | 3 | −$140 | |
| 10 | $4,452 | 6.433% | — | 20 | −$128 | |
| 11 | $4,577 | 6.375% | — | 79 | −$3 | |
| 12 | $4,625 | 6.625% | — | 3 | +$45 | |
| 13 | $4,801 | 6.625% | — | 27 | +$221 | |
| 14 | $5,118 | 6.125% | — | 326 | +$538 | |
| 15 | $5,243 | 6.250% | — | 93 | +$663 | |
| 16 | $5,931 | 6.375% | — | 70 | +$1,351 | |
| 17 | $6,656 | 6.490% | — | 5 | +$2,076 | |
| 18 | $8,140 | 6.375% | — | 3 | +$3,560 | |
| 19 | $9,893 | 6.625% | — | 5 | +$5,313 | |
| 20 | $13,250 | 6.625% | — | 3 | +$8,670 |
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 | Wilmington Savings Fund Society, FSB | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $4,580 | $7,127 | −$2,547 (−35.7%) |
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.