Purchase Originations
1,881
Ranked #233 nationally
Median Total Costs
$0
−100.0% vs national ($6,680)
↑ $0 vs prior year
Median Rate
7.250%
+11.7% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$0
Median Lender Credits
$3
Cost Rank (500+ vol.)
#4
among lenders with 500+ originations
Denial Rate
11.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,869 | 7.250% | $0 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 1,604 | 7.250% | $0 | #12 |
| Pennsylvania | 168 | 7.375% | $35 | #117 |
| Vermont | 89 | 6.875% | $3,458 | #12 |
| Massachusetts | 18 | 7.000% | $1,469 | — |
| New Hampshire | 2 | 6.312% | $3,706 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 7.625% | — | 100 | +$0 | |
| 2 | $0 | 7.250% | — | 91 | +$0 | |
| 3 | $0 | 7.125% | — | 86 | +$0 | |
| 4 | $0 | 7.250% | — | 84 | +$0 | |
| 5 | $0 | 7.500% | — | 75 | +$0 | |
| 6 | $0 | 7.625% | — | 64 | +$0 | |
| 7 | $0 | 7.250% | — | 62 | +$0 | |
| 8 | $0 | 7.375% | — | 58 | +$0 | |
| 9 | $0 | 7.500% | — | 51 | +$0 | |
| 10 | $0 | 7.188% | — | 48 | +$0 | |
| 11 | $0 | 6.875% | — | 44 | +$0 | |
| 12 | $0 | 7.625% | — | 42 | +$0 | |
| 13 | $0 | 7.625% | — | 41 | +$0 | |
| 14 | $0 | 6.750% | — | 36 | +$0 | |
| 15 | $35 | 7.500% | — | 72 | +$35 | |
| 16 | $2,155 | 6.875% | — | 37 | +$2,155 | |
| 17 | $2,240 | 7.125% | — | 47 | +$2,240 | |
| 18 | $3,132 | 6.875% | — | 162 | +$3,132 | |
| 19 | $3,206 | 6.875% | — | 51 | +$3,206 | |
| 20 | $3,578 | 6.625% | — | 39 | +$3,578 |
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 | Community Bank, National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $185,000 | $335,000 | −$150,000 (−44.8%) |
| Median total closing costs | $0 | $7,127 | −$7,127 (−100.0%) |
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.