Purchase Originations
218
Median Total Costs
$3,810
−43.0% vs national ($6,680)
↑ $369 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$1,075
Median Lender Credits
$28
Denial Rate
16.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 186 | 6.490% | $3,541 | $1,075 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Alabama | 137 | 6.375% | $3,708 | #74 |
| Mississippi | 36 | 6.375% | $3,735 | — |
| Tennessee | 35 | 6.375% | $4,440 | — |
| Florida | 5 | 6.875% | $5,287 | — |
| Georgia | 1 | 6.170% | $5,910 | — |
| Illinois | 1 | 6.990% | $3,073 | — |
| North Carolina | 1 | 6.570% | $9,719 | — |
| New Mexico | 1 | 6.000% | $6,188 | — |
| Texas | 1 | 6.990% | $6,650 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,569 | 6.435% | — | 4 | −$2,241 | |
| 2 | $1,914 | 6.220% | — | 5 | −$1,896 | |
| 3 | $2,951 | 6.535% | — | 28 | −$859 | |
| 4 | $2,962 | 6.040% | — | 3 | −$848 | |
| 5 | $3,128 | 6.625% | — | 4 | −$682 | |
| 6 | $3,220 | 6.330% | — | 6 | −$590 | |
| 7 | $3,277 | 6.750% | — | 4 | −$533 | |
| 8 | $3,417 | 6.195% | — | 4 | −$393 | |
| 9 | $3,421 | 6.125% | — | 5 | −$389 | |
| 10 | $3,438 | 6.250% | — | 9 | −$372 | |
| 11 | $3,655 | 6.330% | — | 6 | −$155 | |
| 12 | $3,770 | 6.562% | — | 4 | −$40 | |
| 13 | $3,928 | 6.375% | — | 7 | +$118 | |
| 14 | $4,218 | 6.350% | — | 5 | +$408 | |
| 15 | $4,859 | 6.250% | — | 6 | +$1,049 | |
| 16 | $5,122 | 6.375% | — | 17 | +$1,312 | |
| 17 | $5,175 | 6.375% | — | 26 | +$1,365 | |
| 18 | $5,546 | 6.460% | — | 6 | +$1,736 | |
| 19 | $6,381 | 6.598% | — | 4 | +$2,571 | |
| 20 | $6,471 | 6.570% | — | 5 | +$2,661 |
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 | CB&S Bank, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $265,000 | $335,000 | −$70,000 (−20.9%) |
| Median total closing costs | $3,810 | $7,127 | −$3,317 (−46.5%) |
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.