Purchase Originations
185
Median Total Costs
$2,523
−62.2% vs national ($6,680)
↓ $10 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$835
Median Lender Credits
$40
Denial Rate
6.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 185 | 6.750% | $2,523 | $835 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Illinois | 105 | 6.875% | $2,408 | #146 |
| Iowa | 67 | 6.500% | $2,646 | #72 |
| Wisconsin | 7 | 6.750% | $2,785 | — |
| Michigan | 2 | 6.312% | $3,676 | — |
| Louisiana | 1 | 6.875% | $3,718 | — |
| South Carolina | 1 | 6.500% | $3,419 | — |
| South Dakota | 1 | 6.000% | $3,230 | — |
| Tennessee | 1 | 7.000% | $3,148 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,258 | 5.750% | — | 2 | −$265 | |
| 2 | $2,292 | 6.875% | — | 13 | −$231 | |
| 3 | $2,301 | 6.875% | — | 51 | −$222 | |
| 4 | $2,357 | 6.750% | — | 1 | −$166 | |
| 5 | $2,413 | 6.250% | — | 2 | −$110 | |
| 6 | $2,463 | 6.875% | — | 8 | −$60 | |
| 7 | $2,486 | 6.688% | — | 8 | −$37 | |
| 8 | $2,504 | 6.500% | — | 15 | −$19 | |
| 9 | $2,513 | 6.500% | — | 9 | −$10 | |
| 10 | $2,615 | 6.250% | — | 9 | +$92 | |
| 11 | $2,623 | 6.875% | — | 5 | +$100 | |
| 12 | $2,642 | 7.125% | — | 1 | +$119 | |
| 13 | $2,733 | 6.875% | — | 1 | +$210 | |
| 14 | $2,757 | 6.562% | — | 32 | +$234 | |
| 15 | $2,830 | 7.500% | — | 1 | +$307 | |
| 16 | $2,862 | 7.125% | — | 2 | +$339 | |
| 17 | $2,916 | 6.688% | — | 4 | +$393 | |
| 18 | $3,029 | 6.688% | — | 6 | +$506 | |
| 19 | $6,131 | 6.875% | — | 1 | +$3,608 | |
| 20 | $6,288 | 6.812% | — | 2 | +$3,765 |
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 | CBI Bank & Trust | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $155,000 | $335,000 | −$180,000 (−53.7%) |
| Median total closing costs | $2,523 | $7,127 | −$4,604 (−64.6%) |
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.