Purchase Originations
287
Median Total Costs
$3,330
−50.1% vs national ($6,680)
↑ $59 vs prior year
Median Rate
6.875%
+5.9% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,090
Median Lender Credits
$500
Denial Rate
4.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 219 | 7.000% | $3,080 | $1,090 |
| usda | 32 | 6.625% | $5,196 | $2,172 |
| fha | 21 | 6.375% | $7,488 | $1,490 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,739 | 7.050% | — | 24 | −$591 | |
| 2 | $2,774 | 6.938% | — | 12 | −$556 | |
| 3 | $2,979 | 7.500% | — | 4 | −$351 | |
| 4 | $3,036 | 7.250% | — | 18 | −$294 | |
| 5 | $3,044 | 6.875% | — | 28 | −$286 | |
| 6 | $3,088 | 7.000% | — | 19 | −$242 | |
| 7 | $3,195 | 6.750% | — | 23 | −$135 | |
| 8 | $3,210 | 6.500% | — | 5 | −$120 | |
| 9 | $3,255 | 7.000% | — | 29 | −$75 | |
| 10 | $3,276 | 6.625% | — | 3 | −$54 | |
| 11 | $3,304 | 6.875% | — | 3 | −$26 | |
| 12 | $3,330 | 7.000% | — | 17 | +$0 | |
| 13 | $3,333 | 6.000% | — | 3 | +$3 | |
| 14 | $3,611 | 7.000% | — | 9 | +$281 | |
| 15 | $3,618 | 6.875% | — | 3 | +$288 | |
| 16 | $3,849 | 6.625% | — | 21 | +$519 | |
| 17 | $5,106 | 7.000% | — | 3 | +$1,776 | |
| 18 | $6,082 | 6.188% | — | 6 | +$2,752 | |
| 19 | $8,487 | 6.562% | — | 6 | +$5,157 | |
| 20 | $8,672 | 6.562% | — | 8 | +$5,342 |
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 National Bank & Trust | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $165,000 | $335,000 | −$170,000 (−50.7%) |
| Median total closing costs | $3,330 | $7,127 | −$3,797 (−53.3%) |
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.