Purchase Originations
630
Ranked #550 nationally
Median Total Costs
$3,330
−50.1% vs national ($6,680)
↑ $240 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$1,045
Median Lender Credits
$94
Cost Rank (500+ vol.)
#60
among lenders with 500+ originations
Denial Rate
4.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 548 | 6.500% | $3,216 | $1,045 |
| fha | 45 | 6.125% | $6,933 | $1,045 |
| va | 30 | 6.124% | $3,604 | $1,045 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Illinois | 311 | 6.375% | $2,668 | #66 |
| Missouri | 299 | 6.500% | $3,747 | #40 |
| Colorado | 2 | 7.125% | $3,817 | — |
| Florida | 2 | 6.120% | $3,290 | — |
| Indiana | 2 | 6.312% | $5,846 | — |
| Kentucky | 2 | 5.938% | $4,689 | — |
| Oklahoma | 2 | 6.688% | $6,055 | — |
| Tennessee | 2 | 6.750% | $5,266 | — |
| Washington | 2 | 6.438% | $4,706 | — |
| Arizona | 1 | 7.000% | $3,235 | — |
| Kansas | 1 | 7.125% | $4,512 | — |
| Maryland | 1 | 5.750% | $7,277 | — |
| North Carolina | 1 | 5.750% | $4,894 | — |
| Ohio | 1 | 6.875% | $3,276 | — |
| Virginia | 1 | 6.124% | $20,356 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,106 | 6.375% | — | 1 | −$1,224 | |
| 2 | $2,317 | 6.875% | — | 1 | −$1,013 | |
| 3 | $2,319 | 6.250% | — | 26 | −$1,011 | |
| 4 | $2,566 | 6.500% | — | 34 | −$764 | |
| 5 | $2,620 | 6.250% | — | 38 | −$710 | |
| 6 | $2,678 | 6.375% | — | 143 | −$652 | |
| 7 | $2,688 | 6.500% | — | 15 | −$642 | |
| 8 | $2,884 | 6.375% | — | 38 | −$446 | |
| 9 | $3,235 | 7.000% | — | 1 | −$95 | |
| 10 | $3,239 | 6.250% | — | 1 | −$91 | |
| 11 | $3,341 | 5.990% | — | 1 | +$11 | |
| 12 | $3,459 | 6.125% | — | 37 | +$129 | |
| 13 | $3,689 | 6.188% | — | 2 | +$359 | |
| 14 | $3,692 | 6.750% | — | 15 | +$362 | |
| 15 | $3,760 | 6.500% | — | 180 | +$430 | |
| 16 | $3,817 | 7.125% | — | 2 | +$487 | |
| 17 | $3,835 | 6.500% | — | 55 | +$505 | |
| 18 | $4,273 | 6.250% | — | 4 | +$943 | |
| 19 | $5,274 | 6.375% | — | 3 | +$1,944 | |
| 20 | $6,933 | 6.250% | — | 1 | +$3,603 |
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 | Carrollton Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $190,000 | $335,000 | −$145,000 (−43.3%) |
| Median total closing costs | $3,330 | $7,127 | −$3,797 (−53.3%) |
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.