Purchase Originations
168
Median Total Costs
$5,500
−17.7% vs national ($6,680)
↑ $1,387 vs prior year
Median Rate
7.125%
+9.8% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$2,265
Median Lender Credits
$63
Denial Rate
5.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 146 | 7.362% | $5,086 | $3,039 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Nebraska | 88 | 6.875% | $3,673 | #43 |
| Colorado | 51 | 7.750% | $8,471 | #153 |
| Arizona | 12 | 7.750% | $11,027 | — |
| Kansas | 5 | 6.875% | $3,660 | — |
| Illinois | 2 | 7.750% | $7,281 | — |
| California | 1 | 7.750% | $8,367 | — |
| Iowa | 1 | 6.375% | $3,298 | — |
| Indiana | 1 | 7.750% | $7,072 | — |
| Michigan | 1 | 7.750% | $12,660 | — |
| Montana | 1 | 6.535% | $5,895 | — |
| North Carolina | 1 | 6.500% | $2,771 | — |
| Nevada | 1 | 7.750% | $7,911 | — |
| South Dakota | 1 | 7.750% | $10,122 | — |
| Tennessee | 1 | 7.750% | $10,882 | — |
| West Virginia | 1 | 6.375% | $6,642 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,008 | 6.375% | — | 4 | −$2,492 | |
| 2 | $3,066 | 6.375% | — | 3 | −$2,434 | |
| 3 | $3,490 | 6.875% | — | 25 | −$2,010 | |
| 4 | $3,835 | 6.625% | — | 37 | −$1,665 | |
| 5 | $3,991 | 6.910% | — | 2 | −$1,509 | |
| 6 | $4,017 | 7.750% | — | 1 | −$1,483 | |
| 7 | $4,157 | 6.645% | — | 2 | −$1,343 | |
| 8 | $4,916 | 6.812% | — | 2 | −$584 | |
| 9 | $5,068 | 7.560% | — | 5 | −$432 | |
| 10 | $5,666 | 6.062% | — | 2 | +$166 | |
| 11 | $6,948 | 6.725% | — | 1 | +$1,448 | |
| 12 | $7,460 | 7.750% | — | 1 | +$1,960 | |
| 13 | $7,673 | 7.750% | — | 14 | +$2,173 | |
| 14 | $8,471 | 7.750% | — | 3 | +$2,971 | |
| 15 | $8,978 | 7.750% | — | 15 | +$3,478 | |
| 16 | $9,142 | 7.750% | — | 6 | +$3,642 | |
| 17 | $10,932 | 7.750% | — | 3 | +$5,432 | |
| 18 | $10,950 | 7.750% | — | 11 | +$5,450 | |
| 19 | $11,036 | 7.750% | — | 4 | +$5,536 | |
| 20 | $11,105 | 7.750% | — | 1 | +$5,605 |
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 | Adams Bank & Trust | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $310,000 | $335,000 | −$25,000 (−7.5%) |
| Median total closing costs | $5,500 | $7,127 | −$1,627 (−22.8%) |
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.