Purchase Originations
220
Median Total Costs
$3,404
−49.0% vs national ($6,680)
↑ $23 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,474
Median Lender Credits
$270
Denial Rate
5.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 172 | 6.750% | $3,226 | $1,463 |
| fha | 35 | 6.250% | $7,403 | $1,474 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Nebraska | 146 | 6.500% | $3,304 | #32 |
| Iowa | 65 | 6.750% | $3,468 | #73 |
| Minnesota | 7 | 7.250% | $3,550 | — |
| Georgia | 1 | 8.500% | $23,157 | — |
| New Mexico | 1 | 6.875% | $3,979 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,716 | 6.875% | — | 1 | −$688 | |
| 2 | $2,736 | 6.490% | — | 3 | −$668 | |
| 3 | $2,857 | 6.490% | — | 5 | −$547 | |
| 4 | $2,892 | 6.125% | — | 3 | −$512 | |
| 5 | $3,044 | 6.312% | — | 4 | −$360 | |
| 6 | $3,231 | 6.500% | — | 4 | −$173 | |
| 7 | $3,299 | 6.490% | — | 25 | −$105 | |
| 8 | $3,315 | 6.500% | — | 93 | −$89 | |
| 9 | $3,414 | 7.375% | — | 2 | +$10 | |
| 10 | $3,449 | 6.875% | — | 49 | +$45 | |
| 11 | $3,468 | 6.250% | — | 1 | +$64 | |
| 12 | $3,495 | 6.125% | — | 1 | +$91 | |
| 13 | $3,550 | 5.990% | — | 1 | +$146 | |
| 14 | $3,672 | 6.490% | — | 7 | +$268 | |
| 15 | $3,838 | 7.000% | — | 2 | +$434 | |
| 16 | $4,163 | 6.875% | — | 1 | +$759 | |
| 17 | $4,520 | 6.812% | — | 2 | +$1,116 | |
| 18 | $4,927 | 6.625% | — | 2 | +$1,523 | |
| 19 | $7,079 | 6.625% | — | 1 | +$3,675 | |
| 20 | $8,625 | 7.375% | — | 2 | +$5,221 |
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 National Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $225,000 | $335,000 | −$110,000 (−32.8%) |
| Median total closing costs | $3,404 | $7,127 | −$3,723 (−52.2%) |
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.