Purchase Originations
817
Ranked #445 nationally
Median Total Costs
$3,502
−47.6% vs national ($6,680)
↑ $685 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,050
Median Lender Credits
$87
Cost Rank (500+ vol.)
#71
among lenders with 500+ originations
Denial Rate
9.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 665 | 6.624% | $3,202 | $1,050 |
| fha | 120 | 6.250% | $6,949 | $1,050 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,625 | 6.490% | — | 56 | −$877 | |
| 2 | $2,655 | 6.375% | — | 29 | −$847 | |
| 3 | $2,817 | 6.188% | — | 14 | −$685 | |
| 4 | $2,846 | 6.562% | — | 16 | −$656 | |
| 5 | $2,861 | 6.500% | — | 41 | −$641 | |
| 6 | $2,910 | 6.625% | — | 29 | −$592 | |
| 7 | $3,005 | 6.500% | — | 15 | −$497 | |
| 8 | $3,080 | 6.750% | — | 23 | −$422 | |
| 9 | $3,109 | 6.624% | — | 16 | −$393 | |
| 10 | $3,118 | 6.500% | — | 15 | −$384 | |
| 11 | $3,127 | 6.375% | — | 19 | −$375 | |
| 12 | $3,298 | 6.375% | — | 14 | −$204 | |
| 13 | $3,575 | 6.625% | — | 33 | +$73 | |
| 14 | $3,690 | 6.500% | — | 35 | +$188 | |
| 15 | $3,721 | 6.500% | — | 27 | +$219 | |
| 16 | $3,848 | 6.375% | — | 16 | +$346 | |
| 17 | $4,105 | 6.625% | — | 80 | +$603 | |
| 18 | $4,153 | 6.500% | — | 15 | +$651 | |
| 19 | $4,452 | 6.250% | — | 21 | +$950 | |
| 20 | $5,739 | 6.500% | — | 24 | +$2,237 |
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 | German American Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $235,000 | $335,000 | −$100,000 (−29.9%) |
| Median total closing costs | $3,502 | $7,127 | −$3,625 (−50.9%) |
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.