Purchase Originations
185
Median Total Costs
$3,301
−50.6% vs national ($6,680)
↓ $226 vs prior year
Median Rate
6.650%
+2.5% vs national (6.490%)
↓ 0.225% vs prior year
Median Origination
$1,400
Median Lender Credits
$103
Denial Rate
11.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 176 | 6.750% | $3,040 | $1,006 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $770 | 7.125% | — | 2 | −$2,531 | |
| 2 | $789 | 6.950% | — | 1 | −$2,512 | |
| 3 | $1,139 | 6.500% | — | 1 | −$2,162 | |
| 4 | $1,576 | 7.900% | — | 9 | −$1,725 | |
| 5 | $1,912 | 9.150% | — | 32 | −$1,389 | |
| 6 | $2,014 | 6.800% | — | 1 | −$1,287 | |
| 7 | $2,081 | 7.120% | — | 14 | −$1,220 | |
| 8 | $2,154 | 7.250% | — | 11 | −$1,147 | |
| 9 | $2,265 | 9.000% | — | 2 | −$1,036 | |
| 10 | $3,031 | 6.500% | — | 3 | −$270 | |
| 11 | $3,464 | 7.263% | — | 18 | +$163 | |
| 12 | $3,561 | 6.500% | — | 15 | +$260 | |
| 13 | $4,090 | 6.250% | — | 19 | +$789 | |
| 14 | $4,346 | 6.250% | — | 28 | +$1,045 | |
| 15 | $4,388 | 6.750% | — | 1 | +$1,087 | |
| 16 | $4,389 | 6.500% | — | 13 | +$1,088 | |
| 17 | $4,850 | 6.750% | — | 4 | +$1,549 | |
| 18 | $5,392 | 6.625% | — | 1 | +$2,091 | |
| 19 | $5,539 | 6.625% | — | 5 | +$2,238 | |
| 20 | $6,710 | 6.750% | — | 1 | +$3,409 |
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 | Citizens Tri-County Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $225,000 | $335,000 | −$110,000 (−32.8%) |
| Median total closing costs | $3,301 | $7,127 | −$3,826 (−53.7%) |
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.