Purchase Originations
117
Median Total Costs
$3,892
−41.7% vs national ($6,680)
↓ $158 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$925
Median Lender Credits
—
Denial Rate
17.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 101 | 6.500% | $3,707 | $925 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,541 | 7.375% | — | 1 | −$1,351 | |
| 2 | $2,770 | 7.000% | — | 5 | −$1,122 | |
| 3 | $2,911 | 6.688% | — | 8 | −$981 | |
| 4 | $3,067 | 6.875% | — | 1 | −$825 | |
| 5 | $3,092 | 6.000% | — | 2 | −$800 | |
| 6 | $3,126 | 7.250% | — | 3 | −$766 | |
| 7 | $3,163 | 6.812% | — | 6 | −$729 | |
| 8 | $3,336 | 6.120% | — | 2 | −$556 | |
| 9 | $3,413 | 6.250% | — | 5 | −$479 | |
| 10 | $3,454 | 6.500% | — | 7 | −$438 | |
| 11 | $4,156 | 6.500% | — | 3 | +$264 | |
| 12 | $4,346 | 6.500% | — | 3 | +$454 | |
| 13 | $4,447 | 6.250% | — | 4 | +$555 | |
| 14 | $4,482 | 6.120% | — | 2 | +$590 | |
| 15 | $4,508 | 6.500% | — | 15 | +$616 | |
| 16 | $4,569 | 6.375% | — | 6 | +$677 | |
| 17 | $4,856 | 6.500% | — | 20 | +$964 | |
| 18 | $5,266 | 6.500% | — | 3 | +$1,374 | |
| 19 | $5,544 | 6.500% | — | 3 | +$1,652 | |
| 20 | $8,191 | 6.500% | — | 3 | +$4,299 |
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 | Forcht Bank, National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $255,000 | $335,000 | −$80,000 (−23.9%) |
| Median total closing costs | $3,892 | $7,127 | −$3,235 (−45.4%) |
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.