Purchase Originations
177
Median Total Costs
$2,892
−56.7% vs national ($6,680)
↓ $183 vs prior year
Median Rate
6.000%
−7.5% vs national (6.490%)
↓ 0.490% vs prior year
Median Origination
$1,068
Median Lender Credits
$500
Denial Rate
7.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 163 | 6.000% | $2,840 | $1,068 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,387 | 5.875% | — | 4 | −$505 | |
| 2 | $2,453 | 6.000% | — | 3 | −$439 | |
| 3 | $2,455 | 5.750% | — | 3 | −$437 | |
| 4 | $2,588 | 6.000% | — | 4 | −$304 | |
| 5 | $2,757 | 5.995% | — | 6 | −$135 | |
| 6 | $2,760 | 6.490% | — | 4 | −$132 | |
| 7 | $2,812 | 6.000% | — | 2 | −$80 | |
| 8 | $2,814 | 5.750% | — | 12 | −$78 | |
| 9 | $2,815 | 5.933% | — | 18 | −$77 | |
| 10 | $2,868 | 6.125% | — | 22 | −$24 | |
| 11 | $2,871 | 6.000% | — | 3 | −$21 | |
| 12 | $2,895 | 6.000% | — | 3 | +$3 | |
| 13 | $2,940 | 6.490% | — | 3 | +$48 | |
| 14 | $2,984 | 6.000% | — | 3 | +$92 | |
| 15 | $3,024 | 6.250% | — | 4 | +$132 | |
| 16 | $3,054 | 6.000% | — | 22 | +$162 | |
| 17 | $3,186 | 6.125% | — | 9 | +$294 | |
| 18 | $3,272 | 5.875% | — | 4 | +$380 | |
| 19 | $3,613 | 6.188% | — | 4 | +$721 | |
| 20 | $3,910 | 5.750% | — | 3 | +$1,018 |
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 | Equity Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $215,000 | $335,000 | −$120,000 (−35.8%) |
| Median total closing costs | $2,892 | $7,127 | −$4,235 (−59.4%) |
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.