Purchase Originations
144
Median Total Costs
$1,854
−72.3% vs national ($6,680)
↑ $78 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$595
Median Lender Credits
$32
Denial Rate
8.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 144 | 6.750% | $1,854 | $595 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,502 | 6.750% | — | 36 | −$352 | |
| 2 | $1,604 | 6.950% | — | 13 | −$250 | |
| 3 | $1,751 | 7.100% | — | 2 | −$103 | |
| 4 | $1,780 | 6.500% | — | 1 | −$74 | |
| 5 | $1,795 | 6.750% | — | 13 | −$59 | |
| 6 | $1,819 | 6.500% | — | 4 | −$35 | |
| 7 | $1,828 | 5.125% | — | 1 | −$26 | |
| 8 | $1,882 | 6.500% | — | 3 | +$28 | |
| 9 | $1,885 | 6.875% | — | 7 | +$31 | |
| 10 | $1,905 | 7.000% | — | 9 | +$51 | |
| 11 | $1,980 | 6.312% | — | 2 | +$126 | |
| 12 | $1,991 | 6.625% | — | 17 | +$137 | |
| 13 | $2,231 | 7.000% | — | 1 | +$377 | |
| 14 | $2,327 | 6.250% | — | 2 | +$473 | |
| 15 | $2,364 | 6.625% | — | 1 | +$510 | |
| 16 | $2,414 | 6.125% | — | 1 | +$560 | |
| 17 | $2,436 | 6.562% | — | 2 | +$582 | |
| 18 | $2,533 | 6.000% | — | 1 | +$679 | |
| 19 | $2,635 | 6.562% | — | 12 | +$781 | |
| 20 | $2,840 | 6.625% | — | 9 | +$986 |
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 | HNB National Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $195,000 | $335,000 | −$140,000 (−41.8%) |
| Median total closing costs | $1,854 | $7,127 | −$5,273 (−74.0%) |
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.