Purchase Originations
119
Median Total Costs
$4,590
−31.3% vs national ($6,680)
↓ $580 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$2,388
Median Lender Credits
$75
Denial Rate
4.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 119 | 6.500% | $4,590 | $2,388 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Minnesota | 115 | 6.500% | $4,539 | #86 |
| South Dakota | 3 | 6.750% | $4,647 | — |
| Wisconsin | 1 | 7.490% | $5,724 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,189 | 6.312% | — | 2 | −$1,401 | |
| 2 | $3,332 | 6.250% | — | 7 | −$1,258 | |
| 3 | $3,454 | 6.375% | — | 7 | −$1,136 | |
| 4 | $3,645 | 6.000% | — | 12 | −$945 | |
| 5 | $3,723 | 6.500% | — | 16 | −$867 | |
| 6 | $3,771 | 6.750% | — | 2 | −$819 | |
| 7 | $4,218 | 6.931% | — | 5 | −$372 | |
| 8 | $4,253 | 6.625% | — | 2 | −$337 | |
| 9 | $4,305 | 6.500% | — | 2 | −$285 | |
| 10 | $4,387 | 6.500% | — | 3 | −$203 | |
| 11 | $4,432 | 6.625% | — | 4 | −$158 | |
| 12 | $4,535 | 6.500% | — | 2 | −$55 | |
| 13 | $4,583 | 6.830% | — | 2 | −$7 | |
| 14 | $5,067 | 6.500% | — | 1 | +$477 | |
| 15 | $5,292 | 6.500% | — | 6 | +$702 | |
| 16 | $5,834 | 6.000% | — | 2 | +$1,244 | |
| 17 | $5,843 | 6.688% | — | 4 | +$1,253 | |
| 18 | $6,422 | 6.562% | — | 22 | +$1,832 | |
| 19 | $9,466 | 6.250% | — | 3 | +$4,876 | |
| 20 | $15,111 | 6.625% | — | 1 | +$10,521 |
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 | HomeTown Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $215,000 | $335,000 | −$120,000 (−35.8%) |
| Median total closing costs | $4,590 | $7,127 | −$2,537 (−35.6%) |
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.