Purchase Originations
152
Median Total Costs
$2,353
−64.8% vs national ($6,680)
↑ $88 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$600
Median Lender Credits
—
Denial Rate
7.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 124 | 6.625% | $2,180 | $600 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Kansas | 109 | 6.500% | $2,100 | #61 |
| Nebraska | 38 | 6.625% | $2,808 | — |
| Missouri | 4 | 6.750% | $1,760 | — |
| South Dakota | 1 | 6.375% | $7,562 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $924 | 6.250% | — | 3 | −$1,429 | |
| 2 | $979 | 6.250% | — | 3 | −$1,374 | |
| 3 | $1,662 | 6.250% | — | 9 | −$691 | |
| 4 | $1,800 | 6.875% | — | 5 | −$553 | |
| 5 | $1,818 | 6.500% | — | 7 | −$535 | |
| 6 | $1,884 | 6.500% | — | 2 | −$469 | |
| 7 | $1,908 | 6.562% | — | 4 | −$445 | |
| 8 | $1,990 | 6.875% | — | 4 | −$363 | |
| 9 | $2,074 | 6.750% | — | 3 | −$279 | |
| 10 | $2,100 | 6.500% | — | 16 | −$253 | |
| 11 | $2,272 | 6.625% | — | 4 | −$81 | |
| 12 | $2,290 | 6.500% | — | 23 | −$63 | |
| 13 | $2,374 | 6.250% | — | 3 | +$21 | |
| 14 | $2,660 | 6.188% | — | 2 | +$307 | |
| 15 | $2,694 | 6.625% | — | 3 | +$341 | |
| 16 | $2,891 | 6.625% | — | 20 | +$538 | |
| 17 | $2,936 | 6.625% | — | 4 | +$583 | |
| 18 | $3,081 | 6.250% | — | 4 | +$728 | |
| 19 | $3,339 | 6.625% | — | 7 | +$986 | |
| 20 | $5,675 | 6.250% | — | 2 | +$3,322 |
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 National Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $235,000 | $335,000 | −$100,000 (−29.9%) |
| Median total closing costs | $2,353 | $7,127 | −$4,774 (−67.0%) |
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.