Purchase Originations
159
Median Total Costs
$2,291
−65.7% vs national ($6,680)
↑ $41 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$500
Median Lender Credits
$60
Denial Rate
9.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 159 | 6.500% | $2,291 | $500 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| West Virginia | 92 | 6.500% | $2,282 | #36 |
| Ohio | 57 | 6.500% | $2,142 | #178 |
| Pennsylvania | 10 | 6.438% | $3,902 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,066 | 6.500% | — | 31 | −$225 | |
| 2 | $2,197 | 4.500% | — | 1 | −$94 | |
| 3 | $2,247 | 6.500% | — | 26 | −$44 | |
| 4 | $2,268 | 6.500% | — | 73 | −$23 | |
| 5 | $2,356 | 6.500% | — | 18 | +$65 | |
| 6 | $3,209 | 6.125% | — | 2 | +$918 | |
| 7 | $4,120 | 6.500% | — | 7 | +$1,829 | |
| 8 | $8,008 | 6.500% | — | 1 | +$5,717 |
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 | Hancock County Savings Bank, FSB, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $155,000 | $335,000 | −$180,000 (−53.7%) |
| Median total closing costs | $2,291 | $7,127 | −$4,836 (−67.9%) |
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.