Purchase Originations
130
Median Total Costs
$6,470
−3.1% vs national ($6,680)
↑ $399 vs prior year
Median Rate
6.650%
+2.5% vs national (6.490%)
↓ 0.100% vs prior year
Median Origination
$4,572
Median Lender Credits
$48
Denial Rate
14.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 130 | 6.650% | $6,470 | $4,572 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,522 | 6.325% | — | 2 | −$2,948 | |
| 2 | $3,873 | 6.250% | — | 5 | −$2,597 | |
| 3 | $3,995 | 6.750% | — | 3 | −$2,475 | |
| 4 | $4,415 | 6.750% | — | 5 | −$2,055 | |
| 5 | $4,828 | 6.450% | — | 2 | −$1,642 | |
| 6 | $5,551 | 6.625% | — | 4 | −$919 | |
| 7 | $5,756 | 6.700% | — | 3 | −$714 | |
| 8 | $6,244 | 6.775% | — | 8 | −$226 | |
| 9 | $6,440 | 6.675% | — | 6 | −$30 | |
| 10 | $6,485 | 6.700% | — | 3 | +$15 | |
| 11 | $6,569 | 6.700% | — | 7 | +$99 | |
| 12 | $6,596 | 6.900% | — | 5 | +$126 | |
| 13 | $6,739 | 6.650% | — | 10 | +$269 | |
| 14 | $6,844 | 6.625% | — | 6 | +$374 | |
| 15 | $6,998 | 6.375% | — | 4 | +$528 | |
| 16 | $7,586 | 6.750% | — | 8 | +$1,116 | |
| 17 | $8,054 | 6.675% | — | 6 | +$1,584 | |
| 18 | $8,220 | 6.300% | — | 3 | +$1,750 | |
| 19 | $9,078 | 6.400% | — | 14 | +$2,608 | |
| 20 | $10,208 | 6.600% | — | 3 | +$3,738 |
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 SERVICES OF WESTERN ARKANSAS, FLCA | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $275,000 | $335,000 | −$60,000 (−17.9%) |
| Median total closing costs | $6,470 | $7,127 | −$657 (−9.2%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
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.