Purchase Originations
480
Median Total Costs
$3,341
−50.0% vs national ($6,680)
↑ $147 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$944
Median Lender Credits
$143
Denial Rate
4.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 386 | 6.625% | $3,175 | $910 |
| fha | 60 | 6.250% | $6,347 | $1,088 |
| va | 21 | 6.125% | $3,518 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Missouri | 322 | 6.500% | $3,303 | #38 |
| Iowa | 102 | 6.625% | $3,387 | #60 |
| Kansas | 15 | 6.375% | $2,899 | — |
| Nebraska | 7 | 6.375% | $3,345 | — |
| Minnesota | 5 | 6.375% | $3,542 | — |
| Florida | 4 | 6.495% | $5,146 | — |
| Illinois | 4 | 7.250% | $2,544 | — |
| North Carolina | 4 | 6.745% | $4,427 | — |
| Arkansas | 3 | 6.750% | $2,733 | — |
| Texas | 3 | 6.750% | $5,963 | — |
| Michigan | 2 | 6.750% | $3,697 | — |
| Alabama | 1 | 6.750% | $2,771 | — |
| Colorado | 1 | 6.625% | $4,366 | — |
| New Mexico | 1 | 6.625% | $4,043 | — |
| Oklahoma | 1 | 6.125% | $8,881 | — |
| Pennsylvania | 1 | 6.875% | $6,224 | — |
| South Carolina | 1 | 6.250% | $12,697 | — |
| Tennessee | 1 | 6.990% | $5,868 | — |
| Virginia | 1 | 6.750% | $6,180 | — |
| Wisconsin | 1 | 6.875% | $2,869 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,682 | 6.375% | — | 7 | −$659 | |
| 2 | $2,842 | 6.562% | — | 16 | −$499 | |
| 3 | $2,844 | 6.490% | — | 5 | −$497 | |
| 4 | $2,860 | 6.375% | — | 4 | −$481 | |
| 5 | $2,976 | 6.495% | — | 6 | −$365 | |
| 6 | $3,177 | 6.500% | — | 137 | −$164 | |
| 7 | $3,245 | 6.500% | — | 37 | −$96 | |
| 8 | $3,270 | 6.490% | — | 7 | −$71 | |
| 9 | $3,284 | 6.250% | — | 5 | −$57 | |
| 10 | $3,303 | 6.500% | — | 7 | −$38 | |
| 11 | $3,414 | 6.558% | — | 4 | +$73 | |
| 12 | $3,438 | 6.688% | — | 4 | +$97 | |
| 13 | $3,610 | 6.500% | — | 9 | +$269 | |
| 14 | $3,738 | 6.688% | — | 12 | +$397 | |
| 15 | $3,872 | 6.625% | — | 44 | +$531 | |
| 16 | $3,966 | 6.625% | — | 36 | +$625 | |
| 17 | $4,375 | 6.490% | — | 7 | +$1,034 | |
| 18 | $4,625 | 6.625% | — | 10 | +$1,284 | |
| 19 | $5,910 | 6.683% | — | 4 | +$2,569 | |
| 20 | $6,072 | 6.250% | — | 7 | +$2,731 |
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 | Great Southern Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $225,000 | $335,000 | −$110,000 (−32.8%) |
| Median total closing costs | $3,341 | $7,127 | −$3,786 (−53.1%) |
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.