Purchase Originations
113
Median Total Costs
$3,225
−51.7% vs national ($6,680)
Median Rate
6.490%
+0.0% vs national (6.490%)
Median Origination
$777
Median Lender Credits
$310
Denial Rate
13.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 113 | 6.490% | $3,225 | $777 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,208 | 6.375% | — | 2 | −$1,017 | |
| 2 | $2,669 | 6.433% | — | 10 | −$556 | |
| 3 | $2,727 | 6.250% | — | 18 | −$498 | |
| 4 | $2,770 | 6.375% | — | 5 | −$455 | |
| 5 | $2,786 | 6.312% | — | 8 | −$439 | |
| 6 | $2,788 | 6.000% | — | 1 | −$437 | |
| 7 | $2,899 | 6.750% | — | 3 | −$326 | |
| 8 | $2,926 | 7.125% | — | 1 | −$299 | |
| 9 | $2,993 | 6.125% | — | 5 | −$232 | |
| 10 | $3,249 | 6.750% | — | 13 | +$24 | |
| 11 | $3,258 | 6.562% | — | 4 | +$33 | |
| 12 | $3,374 | 6.125% | — | 4 | +$149 | |
| 13 | $3,430 | 6.750% | — | 5 | +$205 | |
| 14 | $4,424 | 6.625% | — | 5 | +$1,199 | |
| 15 | $5,447 | 6.625% | — | 1 | +$2,222 | |
| 16 | $6,287 | 6.875% | — | 2 | +$3,062 | |
| 17 | $8,712 | 6.875% | — | 9 | +$5,487 | |
| 18 | $10,627 | 6.500% | — | 1 | +$7,402 | |
| 19 | $13,022 | 6.625% | — | 5 | +$9,797 | |
| 20 | $13,603 | 6.500% | — | 3 | +$10,378 |
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 | Banterra Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $265,000 | $335,000 | −$70,000 (−20.9%) |
| Median total closing costs | $3,225 | $7,127 | −$3,902 (−54.7%) |
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.