Purchase Originations
262
Median Total Costs
$4,775
−28.5% vs national ($6,680)
↑ $100 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,150
Median Lender Credits
$25
Denial Rate
5.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 259 | 6.250% | $4,769 | $1,150 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 259 | 6.250% | $4,804 | #86 |
| Montana | 1 | 7.125% | $4,700 | — |
| Ohio | 1 | 6.500% | $3,422 | — |
| Virginia | 1 | 5.750% | $3,017 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,422 | 6.500% | — | 1 | −$1,353 | |
| 2 | $3,838 | 5.375% | — | 1 | −$937 | |
| 3 | $4,198 | 5.500% | — | 1 | −$577 | |
| 4 | $4,224 | 6.375% | — | 59 | −$551 | |
| 5 | $4,438 | 6.250% | — | 21 | −$337 | |
| 6 | $4,564 | 6.375% | — | 13 | −$211 | |
| 7 | $4,641 | 6.188% | — | 38 | −$134 | |
| 8 | $4,700 | 7.125% | — | 1 | −$75 | |
| 9 | $5,118 | 5.875% | — | 1 | +$343 | |
| 10 | $5,216 | 6.624% | — | 1 | +$441 | |
| 11 | $5,512 | 6.125% | — | 107 | +$737 | |
| 12 | $5,611 | 6.375% | — | 3 | +$836 | |
| 13 | $5,748 | 6.750% | — | 1 | +$973 | |
| 14 | $6,770 | 6.125% | — | 1 | +$1,995 | |
| 15 | $7,013 | 7.125% | — | 1 | +$2,238 | |
| 16 | $7,299 | 6.312% | — | 4 | +$2,524 | |
| 17 | $7,430 | 6.125% | — | 1 | +$2,655 | |
| 18 | $7,749 | 6.250% | — | 4 | +$2,974 | |
| 19 | $12,563 | 5.125% | — | 1 | +$7,788 | |
| 20 | $38,686 | 4.500% | — | 1 | +$33,911 |
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 | Kish Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $265,000 | $335,000 | −$70,000 (−20.9%) |
| Median total closing costs | $4,775 | $7,127 | −$2,352 (−33.0%) |
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.