Purchase Originations
1,345
Ranked #300 nationally
Median Total Costs
$2,390
−64.2% vs national ($6,680)
↑ $30 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.050% vs prior year
Median Origination
$640
Median Lender Credits
$647
Cost Rank (500+ vol.)
#20
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 | 1,332 | 6.500% | $2,394 | $640 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Wisconsin | 1,279 | 6.500% | $2,362 | #9 |
| Illinois | 27 | 6.500% | $5,242 | — |
| Minnesota | 8 | 6.425% | $3,348 | — |
| Texas | 5 | 6.250% | $3,261 | — |
| Arizona | 3 | 6.500% | $4,466 | — |
| Florida | 3 | 6.250% | $4,705 | — |
| Georgia | 3 | 6.500% | $3,887 | — |
| Missouri | 3 | 6.600% | $2,965 | — |
| North Carolina | 3 | 6.550% | $3,928 | — |
| Colorado | 2 | 6.050% | $1,805 | — |
| Iowa | 2 | 6.525% | $4,402 | — |
| Kentucky | 2 | 6.425% | $2,868 | — |
| Arkansas | 1 | 6.850% | $2,561 | — |
| Indiana | 1 | 6.550% | $2,783 | — |
| New Hampshire | 1 | 6.400% | $2,878 | — |
| South Carolina | 1 | 6.250% | $4,033 | — |
| Tennessee | 1 | 5.875% | $4,849 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,762 | 6.375% | — | 22 | −$628 | |
| 2 | $2,106 | 6.600% | — | 20 | −$284 | |
| 3 | $2,175 | 6.450% | — | 14 | −$215 | |
| 4 | $2,183 | 6.625% | — | 53 | −$207 | |
| 5 | $2,219 | 6.500% | — | 140 | −$171 | |
| 6 | $2,259 | 6.450% | — | 25 | −$131 | |
| 7 | $2,276 | 6.550% | — | 156 | −$114 | |
| 8 | $2,299 | 6.550% | — | 15 | −$91 | |
| 9 | $2,314 | 6.500% | — | 21 | −$76 | |
| 10 | $2,344 | 6.500% | — | 90 | −$46 | |
| 11 | $2,345 | 6.450% | — | 209 | −$45 | |
| 12 | $2,414 | 6.612% | — | 22 | +$24 | |
| 13 | $2,418 | 6.500% | — | 35 | +$28 | |
| 14 | $2,427 | 6.388% | — | 14 | +$37 | |
| 15 | $2,552 | 6.450% | — | 107 | +$162 | |
| 16 | $2,602 | 6.400% | — | 116 | +$212 | |
| 17 | $2,654 | 6.450% | — | 32 | +$264 | |
| 18 | $2,699 | 6.500% | — | 81 | +$309 | |
| 19 | $2,999 | 6.500% | — | 10 | +$609 | |
| 20 | $3,847 | 6.500% | — | 9 | +$1,457 |
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 | Johnson Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $325,000 | $335,000 | −$10,000 (−3.0%) |
| Median total closing costs | $2,390 | $7,127 | −$4,737 (−66.5%) |
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.