Purchase Originations
393
Median Total Costs
$3,583
−46.4% vs national ($6,680)
↑ $82 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$1,195
Median Lender Credits
$500
Denial Rate
0.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 259 | 6.500% | $3,277 | $1,195 |
| fha | 90 | 6.125% | $7,599 | $1,595 |
| va | 44 | 6.057% | $4,442 | $1,195 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Nebraska | 342 | 6.375% | $3,498 | #14 |
| Iowa | 35 | 6.500% | $4,098 | — |
| Colorado | 3 | 6.375% | $3,681 | — |
| Texas | 3 | 6.250% | $6,211 | — |
| Arizona | 1 | 6.375% | $13,853 | — |
| Illinois | 1 | 6.875% | $6,013 | — |
| Louisiana | 1 | 6.125% | $4,405 | — |
| Minnesota | 1 | 5.375% | $4,430 | — |
| New Mexico | 1 | 6.125% | $4,682 | — |
| Pennsylvania | 1 | 6.125% | $5,495 | — |
| South Carolina | 1 | 6.125% | $5,556 | — |
| Virginia | 1 | 6.875% | $2,892 | — |
| Washington | 1 | 6.490% | $3,658 | — |
| West Virginia | 1 | 5.990% | $8,905 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,089 | 5.625% | — | 6 | −$494 | |
| 2 | $3,092 | 6.250% | — | 6 | −$491 | |
| 3 | $3,332 | 6.375% | — | 1 | −$251 | |
| 4 | $3,449 | 6.490% | — | 81 | −$134 | |
| 5 | $3,466 | 6.375% | — | 228 | −$117 | |
| 6 | $3,550 | 6.688% | — | 8 | −$33 | |
| 7 | $3,621 | 6.250% | — | 5 | +$38 | |
| 8 | $3,681 | 5.375% | — | 1 | +$98 | |
| 9 | $3,759 | 6.490% | — | 1 | +$176 | |
| 10 | $4,405 | 6.125% | — | 1 | +$822 | |
| 11 | $4,430 | 5.375% | — | 1 | +$847 | |
| 12 | $4,663 | 6.433% | — | 22 | +$1,080 | |
| 13 | $5,044 | 5.812% | — | 2 | +$1,461 | |
| 14 | $5,074 | 6.500% | — | 1 | +$1,491 | |
| 15 | $5,237 | 6.124% | — | 3 | +$1,654 | |
| 16 | $6,013 | 6.875% | — | 1 | +$2,430 | |
| 17 | $6,346 | 5.875% | — | 2 | +$2,763 | |
| 18 | $6,946 | 5.500% | — | 3 | +$3,363 | |
| 19 | $7,201 | 6.500% | — | 1 | +$3,618 | |
| 20 | $13,853 | 6.375% | — | 1 | +$10,270 |
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 | Access Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $265,000 | $335,000 | −$70,000 (−20.9%) |
| Median total closing costs | $3,583 | $7,127 | −$3,544 (−49.7%) |
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.