Purchase Originations
2,297
Ranked #199 nationally
Median Total Costs
$8,150
+22.0% vs national ($6,680)
↑ $500 vs prior year
Median Rate
7.000%
+7.9% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$6,282
Median Lender Credits
$1,055
Cost Rank (500+ vol.)
#450
among lenders with 500+ originations
Denial Rate
11.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,297 | 7.000% | $8,150 | $6,282 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Tennessee | 470 | 7.000% | $9,390 | #34 |
| Ohio | 427 | 7.000% | $6,784 | #63 |
| Indiana | 280 | 7.000% | $6,669 | #66 |
| Texas | 253 | 7.125% | $11,742 | #172 |
| Kentucky | 252 | 7.000% | $7,215 | #43 |
| Kansas | 127 | 7.000% | $7,933 | #56 |
| Iowa | 102 | 7.000% | $6,735 | #59 |
| Nebraska | 98 | 7.000% | $7,030 | #38 |
| South Dakota | 61 | 6.875% | $7,365 | #28 |
| Oklahoma | 51 | 7.000% | $8,663 | #98 |
| Colorado | 48 | 7.000% | $9,369 | — |
| Illinois | 41 | 7.000% | $5,496 | — |
| California | 21 | 7.125% | $12,966 | — |
| Minnesota | 17 | 6.750% | $5,583 | — |
| Arkansas | 13 | 7.000% | $6,690 | — |
| New Mexico | 10 | 7.000% | $10,398 | — |
| Wyoming | 9 | 7.250% | $10,389 | — |
| Missouri | 7 | 6.875% | $8,695 | — |
| North Dakota | 6 | 6.500% | $5,363 | — |
| Nevada | 2 | 7.062% | $11,975 | — |
| Mississippi | 1 | 7.000% | $5,995 | — |
| Wisconsin | 1 | 6.875% | $5,360 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,916 | 6.812% | — | 18 | −$2,234 | |
| 2 | $6,172 | 6.625% | — | 22 | −$1,978 | |
| 3 | $6,180 | 7.188% | — | 18 | −$1,970 | |
| 4 | $6,295 | 6.750% | — | 17 | −$1,855 | |
| 5 | $6,628 | 7.000% | — | 25 | −$1,522 | |
| 6 | $6,706 | 6.625% | — | 14 | −$1,444 | |
| 7 | $6,721 | 6.812% | — | 16 | −$1,429 | |
| 8 | $7,465 | 6.938% | — | 14 | −$685 | |
| 9 | $7,614 | 6.938% | — | 22 | −$536 | |
| 10 | $8,411 | 7.062% | — | 22 | +$261 | |
| 11 | $8,721 | 7.125% | — | 13 | +$571 | |
| 12 | $8,851 | 6.938% | — | 16 | +$701 | |
| 13 | $8,856 | 7.000% | — | 16 | +$706 | |
| 14 | $9,721 | 7.125% | — | 13 | +$1,571 | |
| 15 | $9,885 | 7.000% | — | 18 | +$1,735 | |
| 16 | $9,988 | 7.125% | — | 13 | +$1,838 | |
| 17 | $11,216 | 6.812% | — | 14 | +$3,066 | |
| 18 | $11,874 | 7.125% | — | 13 | +$3,724 | |
| 19 | $13,287 | 7.125% | — | 21 | +$5,137 | |
| 20 | $14,232 | 6.750% | — | 13 | +$6,082 |
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 | Farm Credit Mid-America, ACA | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $375,000 | $335,000 | +$40,000 (+11.9%) |
| Median total closing costs | $8,150 | $7,127 | +$1,023 (+14.4%) |
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.