Purchase Originations
631
Ranked #548 nationally
Median Total Costs
$2,520
−62.3% vs national ($6,680)
↑ $112 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$628
Median Lender Credits
$200
Cost Rank (500+ vol.)
#26
among lenders with 500+ originations
Denial Rate
2.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 534 | 6.625% | $2,478 | $628 |
| fha | 52 | 6.250% | $5,507 | $728 |
| va | 42 | 6.500% | $2,103 | $33 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Illinois | 607 | 6.625% | $2,503 | #37 |
| Missouri | 4 | 6.938% | $4,623 | — |
| Florida | 3 | 7.000% | $4,601 | — |
| Minnesota | 3 | 6.125% | $2,985 | — |
| Arizona | 2 | 6.562% | $5,158 | — |
| Georgia | 2 | 6.875% | $3,494 | — |
| Alabama | 1 | 6.500% | $10,802 | — |
| District of Columbia | 1 | 6.500% | $4,189 | — |
| Kansas | 1 | 7.000% | $2,351 | — |
| Louisiana | 1 | 6.750% | $3,708 | — |
| Ohio | 1 | 6.875% | $2,791 | — |
| South Carolina | 1 | 6.625% | $5,010 | — |
| Tennessee | 1 | 7.125% | $3,086 | — |
| Texas | 1 | 7.250% | $4,436 | — |
| Virginia | 1 | 6.875% | $3,163 | — |
| Wisconsin | 1 | 7.250% | $2,478 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,278 | 6.875% | — | 11 | −$242 | |
| 2 | $2,345 | 6.625% | — | 2 | −$175 | |
| 3 | $2,416 | 6.500% | — | 18 | −$104 | |
| 4 | $2,448 | 6.500% | — | 43 | −$72 | |
| 5 | $2,459 | 6.625% | — | 412 | −$61 | |
| 6 | $2,459 | 6.562% | — | 2 | −$61 | |
| 7 | $2,500 | 6.625% | — | 17 | −$20 | |
| 8 | $2,513 | 6.500% | — | 21 | −$7 | |
| 9 | $2,634 | 6.812% | — | 8 | +$114 | |
| 10 | $2,644 | 6.688% | — | 4 | +$124 | |
| 11 | $2,677 | 6.812% | — | 8 | +$157 | |
| 12 | $2,689 | 6.125% | — | 8 | +$169 | |
| 13 | $2,735 | 6.875% | — | 7 | +$215 | |
| 14 | $2,889 | 6.625% | — | 2 | +$369 | |
| 15 | $3,045 | 6.812% | — | 12 | +$525 | |
| 16 | $3,588 | 6.688% | — | 10 | +$1,068 | |
| 17 | $3,998 | 7.188% | — | 2 | +$1,478 | |
| 18 | $4,775 | 6.375% | — | 3 | +$2,255 | |
| 19 | $5,158 | 6.562% | — | 2 | +$2,638 | |
| 20 | $5,574 | 7.000% | — | 2 | +$3,054 |
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 | INB, National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $185,000 | $335,000 | −$150,000 (−44.8%) |
| Median total closing costs | $2,520 | $7,127 | −$4,607 (−64.6%) |
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.