Purchase Originations
478
Median Total Costs
$5,349
−19.9% vs national ($6,680)
↓ $1,131 vs prior year
Median Rate
5.625%
−13.3% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,275
Median Lender Credits
$2,500
Denial Rate
20.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 194 | 6.000% | $3,730 | $1,275 |
| fha | 186 | 5.625% | $7,781 | $1,275 |
| va | 92 | 5.500% | $4,468 | $1,125 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Mississippi | 376 | 5.750% | $5,441 | #15 |
| Louisiana | 53 | 5.625% | $4,779 | #83 |
| Alabama | 38 | 5.562% | $6,447 | — |
| Florida | 11 | 5.500% | $5,284 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,579 | 6.000% | — | 6 | −$1,770 | |
| 2 | $3,738 | 5.625% | — | 7 | −$1,611 | |
| 3 | $3,964 | 5.500% | — | 4 | −$1,385 | |
| 4 | $3,991 | 4.625% | — | 3 | −$1,358 | |
| 5 | $4,159 | 5.750% | — | 133 | −$1,190 | |
| 6 | $4,709 | 5.750% | — | 19 | −$640 | |
| 7 | $4,740 | 5.625% | — | 12 | −$609 | |
| 8 | $5,269 | 5.750% | — | 22 | −$80 | |
| 9 | $5,451 | 6.000% | — | 6 | +$102 | |
| 10 | $5,677 | 5.625% | — | 69 | +$328 | |
| 11 | $5,956 | 5.625% | — | 35 | +$607 | |
| 12 | $6,001 | 5.688% | — | 20 | +$652 | |
| 13 | $6,701 | 5.750% | — | 17 | +$1,352 | |
| 14 | $6,729 | 5.625% | — | 25 | +$1,380 | |
| 15 | $6,942 | 5.500% | — | 11 | +$1,593 | |
| 16 | $7,212 | 5.750% | — | 33 | +$1,863 | |
| 17 | $7,460 | 5.750% | — | 3 | +$2,111 | |
| 18 | $7,872 | 6.125% | — | 3 | +$2,523 | |
| 19 | $8,018 | 5.500% | — | 4 | +$2,669 | |
| 20 | $11,284 | 5.875% | — | 3 | +$5,935 |
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 | Keesler | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $235,000 | $335,000 | −$100,000 (−29.9%) |
| Median total closing costs | $5,349 | $7,127 | −$1,778 (−24.9%) |
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.