Purchase Originations
289
Median Total Costs
$4,528
−32.2% vs national ($6,680)
Median Rate
6.125%
−5.6% vs national (6.490%)
Median Origination
$0
Median Lender Credits
$412
Denial Rate
1.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 229 | 6.250% | $4,081 | $0 |
| va | 37 | 5.625% | $8,776 | $0 |
| fha | 22 | 6.124% | $10,814 | $895 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 29 | 6.125% | $5,688 | — |
| Kansas | 27 | 6.375% | $3,472 | — |
| Florida | 26 | 5.812% | $7,971 | — |
| Missouri | 25 | 6.500% | $3,515 | — |
| North Carolina | 15 | 6.375% | $3,550 | — |
| Illinois | 14 | 6.375% | $5,195 | — |
| New Jersey | 14 | 6.124% | $5,946 | — |
| Washington | 14 | 6.250% | $4,850 | — |
| Virginia | 13 | 6.125% | $4,209 | — |
| California | 11 | 6.125% | $5,572 | — |
| Colorado | 11 | 6.490% | $2,827 | — |
| South Carolina | 8 | 5.995% | $3,036 | — |
| Tennessee | 8 | 6.250% | $4,430 | — |
| Massachusetts | 7 | 6.500% | $3,545 | — |
| Minnesota | 6 | 5.875% | $3,077 | — |
| Georgia | 5 | 6.375% | $3,812 | — |
| Maine | 4 | 6.188% | $9,307 | — |
| Nevada | 4 | 5.933% | $4,737 | — |
| Ohio | 4 | 5.938% | $6,174 | — |
| Alabama | 3 | 6.375% | $2,970 | — |
| Arizona | 3 | 6.124% | $6,072 | — |
| Delaware | 3 | 5.875% | $2,899 | — |
| Michigan | 3 | 6.490% | $3,413 | — |
| Montana | 3 | 6.125% | $3,189 | — |
| Nebraska | 3 | 6.625% | $2,200 | — |
| Oregon | 3 | 5.990% | $3,529 | — |
| Arkansas | 2 | 5.990% | $3,951 | — |
| District of Columbia | 2 | 5.683% | $5,270 | — |
| Idaho | 2 | 6.562% | $4,818 | — |
| Indiana | 2 | 6.374% | $1,822 | — |
| New Hampshire | 2 | 6.125% | $3,025 | — |
| New Mexico | 2 | 5.683% | $10,662 | — |
| Oklahoma | 2 | 5.500% | $8,573 | — |
| Pennsylvania | 2 | 5.438% | $8,426 | — |
| Utah | 2 | 6.188% | $5,026 | — |
| Wisconsin | 2 | 5.933% | $2,318 | — |
| Connecticut | 1 | 6.375% | $3,517 | — |
| Iowa | 1 | 6.750% | $1,256 | — |
| North Dakota | 1 | 6.125% | $6,093 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,806 | 6.125% | — | 3 | −$2,722 | |
| 2 | $2,649 | 6.688% | — | 4 | −$1,879 | |
| 3 | $2,797 | 6.125% | — | 3 | −$1,731 | |
| 4 | $3,041 | 6.125% | — | 3 | −$1,487 | |
| 5 | $3,221 | 6.625% | — | 6 | −$1,307 | |
| 6 | $3,305 | 6.750% | — | 4 | −$1,223 | |
| 7 | $3,413 | 6.490% | — | 3 | −$1,115 | |
| 8 | $3,472 | 6.375% | — | 21 | −$1,056 | |
| 9 | $3,524 | 6.495% | — | 4 | −$1,004 | |
| 10 | $3,859 | 6.375% | — | 3 | −$669 | |
| 11 | $3,949 | 6.500% | — | 4 | −$579 | |
| 12 | $3,965 | 5.990% | — | 3 | −$563 | |
| 13 | $4,098 | 5.990% | — | 3 | −$430 | |
| 14 | $4,185 | 6.125% | — | 6 | −$343 | |
| 15 | $4,592 | 6.490% | — | 9 | +$64 | |
| 16 | $5,257 | 6.375% | — | 7 | +$729 | |
| 17 | $5,996 | 5.625% | — | 5 | +$1,468 | |
| 18 | $6,072 | 6.124% | — | 3 | +$1,544 | |
| 19 | $6,878 | 6.375% | — | 3 | +$2,350 | |
| 20 | $10,738 | 5.625% | — | 5 | +$6,210 |
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 | Bison State Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $465,000 | $335,000 | +$130,000 (+38.8%) |
| Median total closing costs | $4,528 | $7,127 | −$2,599 (−36.5%) |
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.