Purchase Originations
148
Median Total Costs
$2,333
−65.1% vs national ($6,680)
↑ $125 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$490
Median Lender Credits
$64
Denial Rate
19.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 147 | 6.375% | $2,323 | $490 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,795 | 6.565% | — | 2 | −$538 | |
| 2 | $1,811 | 6.440% | — | 3 | −$522 | |
| 3 | $1,828 | 6.070% | — | 2 | −$505 | |
| 4 | $1,871 | 6.200% | — | 1 | −$462 | |
| 5 | $1,947 | 6.320% | — | 19 | −$386 | |
| 6 | $2,027 | 6.160% | — | 12 | −$306 | |
| 7 | $2,122 | 6.440% | — | 7 | −$211 | |
| 8 | $2,176 | 6.550% | — | 1 | −$157 | |
| 9 | $2,210 | 6.340% | — | 7 | −$123 | |
| 10 | $2,219 | 6.420% | — | 31 | −$114 | |
| 11 | $2,439 | 6.200% | — | 1 | +$106 | |
| 12 | $2,505 | 6.103% | — | 14 | +$172 | |
| 13 | $2,674 | 6.470% | — | 22 | +$341 | |
| 14 | $2,978 | 5.991% | — | 2 | +$645 | |
| 15 | $3,151 | 6.500% | — | 3 | +$818 | |
| 16 | $3,183 | 6.360% | — | 2 | +$850 | |
| 17 | $3,611 | 6.055% | — | 2 | +$1,278 | |
| 18 | $5,632 | 5.560% | — | 1 | +$3,299 | |
| 19 | $5,865 | 6.470% | — | 12 | +$3,532 | |
| 20 | $7,560 | 6.500% | — | 3 | +$5,227 |
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 | CNB Bank And Trust, N.A. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $165,000 | $335,000 | −$170,000 (−50.7%) |
| Median total closing costs | $2,333 | $7,127 | −$4,794 (−67.3%) |
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.