Purchase Originations
6,481
Ranked #73 nationally
Median Total Costs
$7,427
+11.2% vs national ($6,680)
↓ $113 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$2,712
Median Lender Credits
$75
Cost Rank (500+ vol.)
#400
among lenders with 500+ originations
Denial Rate
3.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 3,736 | 6.875% | $5,822 | $2,567 |
| fha | 2,092 | 6.625% | $10,480 | $3,110 |
| va | 446 | 6.625% | $7,527 | $1,885 |
| usda | 207 | 6.625% | $7,541 | $2,545 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 985 | 6.625% | $7,556 | #20 |
| Ohio | 924 | 6.875% | $7,286 | #28 |
| Wisconsin | 876 | 6.750% | $4,532 | #12 |
| North Carolina | 609 | 6.750% | $7,000 | #43 |
| Florida | 491 | 6.750% | $10,075 | #92 |
| Illinois | 420 | 6.875% | $8,240 | #55 |
| Indiana | 295 | 6.750% | $5,991 | #59 |
| Tennessee | 256 | 6.625% | $8,687 | #63 |
| Texas | 175 | 6.750% | $9,303 | #218 |
| Colorado | 171 | 6.750% | $10,777 | #82 |
| Virginia | 169 | 6.625% | $8,804 | #93 |
| Kentucky | 167 | 6.875% | $7,593 | #62 |
| Connecticut | 157 | 6.750% | $7,922 | #37 |
| Minnesota | 91 | 6.750% | $6,924 | #96 |
| Alabama | 75 | 6.125% | $6,798 | #109 |
| New York | 70 | 6.625% | $6,610 | #137 |
| South Carolina | 70 | 6.875% | $5,861 | #142 |
| Georgia | 64 | 6.625% | $9,685 | #179 |
| Massachusetts | 54 | 6.750% | $10,128 | #131 |
| Oklahoma | 50 | 6.625% | $7,702 | #99 |
| Oregon | 43 | 6.750% | $8,706 | — |
| Missouri | 40 | 6.750% | $9,160 | — |
| Montana | 32 | 6.875% | $6,363 | — |
| Nevada | 27 | 6.750% | $11,522 | — |
| Arizona | 20 | 6.625% | $9,392 | — |
| New Jersey | 18 | 6.625% | $9,442 | — |
| Maine | 16 | 6.562% | $8,527 | — |
| Michigan | 16 | 6.625% | $5,887 | — |
| Washington | 11 | 6.990% | $6,896 | — |
| Mississippi | 10 | 6.688% | $9,618 | — |
| New Hampshire | 10 | 6.688% | $7,383 | — |
| Rhode Island | 10 | 6.875% | $10,570 | — |
| Maryland | 9 | 6.625% | $11,070 | — |
| Arkansas | 7 | 6.625% | $10,227 | — |
| Utah | 7 | 6.875% | $7,704 | — |
| Louisiana | 6 | 6.500% | $8,742 | — |
| New Mexico | 6 | 6.870% | $8,728 | — |
| Kansas | 5 | 6.625% | $7,929 | — |
| California | 4 | 7.188% | $11,083 | — |
| Delaware | 4 | 6.625% | $9,438 | — |
| Idaho | 3 | 6.625% | $6,340 | — |
| West Virginia | 3 | 6.250% | $10,791 | — |
| Alaska | 1 | 6.625% | $1,997 | — |
| District of Columbia | 1 | 7.125% | $6,638 | — |
| Iowa | 1 | 6.990% | $6,733 | — |
| North Dakota | 1 | 6.625% | $4,274 | — |
| Wyoming | 1 | 6.500% | $5,056 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,720 | 6.875% | — | 136 | −$3,707 | |
| 2 | $3,844 | 6.750% | — | 249 | −$3,583 | |
| 3 | $5,537 | 6.750% | — | 92 | −$1,890 | |
| 4 | $5,702 | 6.750% | — | 72 | −$1,725 | |
| 5 | $6,194 | 6.750% | — | 81 | −$1,233 | |
| 6 | $6,275 | 6.750% | — | 127 | −$1,152 | |
| 7 | $6,525 | 6.750% | — | 79 | −$902 | |
| 8 | $6,800 | 6.625% | — | 156 | −$627 | |
| 9 | $6,891 | 6.875% | — | 217 | −$536 | |
| 10 | $6,910 | 6.875% | — | 77 | −$517 | |
| 11 | $7,227 | 6.875% | — | 396 | −$200 | |
| 12 | $7,712 | 6.625% | — | 110 | +$285 | |
| 13 | $7,773 | 6.625% | — | 111 | +$346 | |
| 14 | $8,129 | 6.625% | — | 54 | +$702 | |
| 15 | $8,142 | 6.625% | — | 85 | +$715 | |
| 16 | $8,427 | 6.625% | — | 56 | +$1,000 | |
| 17 | $8,806 | 6.990% | — | 94 | +$1,379 | |
| 18 | $9,292 | 6.875% | — | 160 | +$1,865 | |
| 19 | $10,539 | 6.625% | — | 73 | +$3,112 | |
| 20 | $11,668 | 6.625% | — | 62 | +$4,241 |
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 | Ixonia Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $265,000 | $335,000 | −$70,000 (−20.9%) |
| Median total closing costs | $7,427 | $7,127 | +$300 (+4.2%) |
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.