Purchase Originations
172
Median Total Costs
$2,846
−57.4% vs national ($6,680)
↓ $563 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$407
Median Lender Credits
$92
Denial Rate
0.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 160 | 6.500% | $2,730 | $320 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Ohio | 157 | 6.500% | $2,866 | #107 |
| Kentucky | 9 | 6.125% | $3,228 | — |
| North Carolina | 3 | 6.250% | $2,534 | — |
| Michigan | 2 | 6.375% | $4,114 | — |
| Florida | 1 | 6.625% | $2,226 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,043 | 7.250% | — | 1 | −$1,803 | |
| 2 | $1,973 | 6.750% | — | 11 | −$873 | |
| 3 | $2,226 | 6.625% | — | 1 | −$620 | |
| 4 | $2,397 | 6.500% | — | 28 | −$449 | |
| 5 | $2,479 | 6.312% | — | 4 | −$367 | |
| 6 | $2,506 | 6.625% | — | 3 | −$340 | |
| 7 | $2,534 | 6.250% | — | 3 | −$312 | |
| 8 | $2,605 | 6.625% | — | 27 | −$241 | |
| 9 | $2,799 | 6.125% | — | 1 | −$47 | |
| 10 | $2,941 | 6.250% | — | 54 | +$95 | |
| 11 | $3,028 | 6.625% | — | 11 | +$182 | |
| 12 | $3,094 | 5.750% | — | 2 | +$248 | |
| 13 | $3,516 | 6.000% | — | 1 | +$670 | |
| 14 | $3,701 | 6.562% | — | 12 | +$855 | |
| 15 | $4,114 | 6.375% | — | 2 | +$1,268 | |
| 16 | $4,539 | 6.000% | — | 4 | +$1,693 | |
| 17 | $5,099 | 6.688% | — | 4 | +$2,253 | |
| 18 | $6,034 | 5.500% | — | 1 | +$3,188 | |
| 19 | $6,191 | 6.000% | — | 1 | +$3,345 | |
| 20 | $12,265 | 6.625% | — | 1 | +$9,419 |
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 | 1st National Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $285,000 | $335,000 | −$50,000 (−14.9%) |
| Median total closing costs | $2,846 | $7,127 | −$4,281 (−60.1%) |
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.