Purchase Originations
776
Ranked #468 nationally
Median Total Costs
$4,784
−28.4% vs national ($6,680)
↑ $351 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$2,256
Median Lender Credits
$100
Cost Rank (500+ vol.)
#173
among lenders with 500+ originations
Denial Rate
1.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 603 | 6.375% | $4,253 | $2,291 |
| fha | 97 | 6.125% | $8,535 | $2,156 |
| va | 41 | 6.125% | $7,679 | $2,107 |
| usda | 35 | 6.625% | $5,727 | $2,093 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Iowa | 529 | 6.375% | $4,509 | #13 |
| South Dakota | 201 | 6.125% | $6,027 | #13 |
| Nebraska | 33 | 6.375% | $5,012 | — |
| Minnesota | 7 | 6.000% | $5,248 | — |
| Kansas | 2 | 6.688% | $3,191 | — |
| California | 1 | 6.625% | $7,186 | — |
| Oklahoma | 1 | 6.375% | $4,934 | — |
| Texas | 1 | 6.125% | $2,840 | — |
| Wisconsin | 1 | 6.500% | $5,986 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,799 | 6.125% | — | 38 | −$1,985 | |
| 2 | $2,844 | 6.250% | — | 129 | −$1,940 | |
| 3 | $2,878 | 5.875% | — | 5 | −$1,906 | |
| 4 | $3,276 | 6.250% | — | 18 | −$1,508 | |
| 5 | $3,612 | 6.500% | — | 58 | −$1,172 | |
| 6 | $4,008 | 6.312% | — | 6 | −$776 | |
| 7 | $4,421 | 6.438% | — | 8 | −$363 | |
| 8 | $4,592 | 6.125% | — | 5 | −$192 | |
| 9 | $4,669 | 6.500% | — | 37 | −$115 | |
| 10 | $4,758 | 6.500% | — | 10 | −$26 | |
| 11 | $5,118 | 6.250% | — | 20 | +$334 | |
| 12 | $5,122 | 6.625% | — | 5 | +$338 | |
| 13 | $5,349 | 6.375% | — | 134 | +$565 | |
| 14 | $5,481 | 6.500% | — | 29 | +$697 | |
| 15 | $5,557 | 6.250% | — | 6 | +$773 | |
| 16 | $5,887 | 6.125% | — | 46 | +$1,103 | |
| 17 | $6,228 | 6.125% | — | 110 | +$1,444 | |
| 18 | $6,241 | 6.500% | — | 15 | +$1,457 | |
| 19 | $6,623 | 6.500% | — | 12 | +$1,839 | |
| 20 | $6,673 | 6.625% | — | 5 | +$1,889 |
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 | Central Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $245,000 | $335,000 | −$90,000 (−26.9%) |
| Median total closing costs | $4,784 | $7,127 | −$2,343 (−32.9%) |
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.