Purchase Originations
119
Median Total Costs
$2,955
−55.8% vs national ($6,680)
↑ $67 vs prior year
Median Rate
6.490%
+0.0% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,135
Median Lender Credits
$1,200
Denial Rate
4.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 89 | 6.490% | $2,745 | $1,135 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,584 | 5.875% | — | 1 | −$371 | |
| 2 | $2,647 | 6.750% | — | 1 | −$308 | |
| 3 | $2,709 | 6.490% | — | 55 | −$246 | |
| 4 | $2,709 | 6.250% | — | 3 | −$246 | |
| 5 | $2,745 | 7.500% | — | 1 | −$210 | |
| 6 | $2,894 | 6.562% | — | 36 | −$61 | |
| 7 | $3,162 | 6.125% | — | 1 | +$207 | |
| 8 | $3,284 | 6.625% | — | 1 | +$329 | |
| 9 | $3,910 | 6.500% | — | 1 | +$955 | |
| 10 | $4,201 | 6.125% | — | 1 | +$1,246 | |
| 11 | $4,382 | 5.938% | — | 2 | +$1,427 | |
| 12 | $4,904 | 6.250% | — | 1 | +$1,949 | |
| 13 | $4,923 | 6.125% | — | 7 | +$1,968 | |
| 14 | $5,032 | 6.875% | — | 1 | +$2,077 | |
| 15 | $5,312 | 5.990% | — | 1 | +$2,357 | |
| 16 | $6,262 | 6.490% | — | 1 | +$3,307 | |
| 17 | $6,452 | 5.990% | — | 1 | +$3,497 | |
| 18 | $6,847 | 6.250% | — | 1 | +$3,892 | |
| 19 | $7,177 | 6.490% | — | 1 | +$4,222 | |
| 20 | $7,934 | 6.812% | — | 2 | +$4,979 |
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 | American Bank and Trust Company, National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $165,000 | $335,000 | −$170,000 (−50.7%) |
| Median total closing costs | $2,955 | $7,127 | −$4,172 (−58.5%) |
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.