Purchase Originations
199
Median Total Costs
$2,414
−63.9% vs national ($6,680)
↑ $69 vs prior year
Median Rate
6.875%
+5.9% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$850
Median Lender Credits
$60
Denial Rate
0.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 199 | 6.875% | $2,414 | $850 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,998 | 5.375% | — | 1 | −$416 | |
| 2 | $2,037 | 6.625% | — | 2 | −$377 | |
| 3 | $2,124 | 6.750% | — | 15 | −$290 | |
| 4 | $2,299 | 6.500% | — | 10 | −$115 | |
| 5 | $2,319 | 6.750% | — | 82 | −$95 | |
| 6 | $2,410 | 6.688% | — | 4 | −$4 | |
| 7 | $2,424 | 7.000% | — | 43 | +$10 | |
| 8 | $2,474 | 7.125% | — | 3 | +$60 | |
| 9 | $2,499 | 7.188% | — | 2 | +$85 | |
| 10 | $2,504 | 6.875% | — | 7 | +$90 | |
| 11 | $2,540 | 6.688% | — | 6 | +$126 | |
| 12 | $2,552 | 6.750% | — | 1 | +$138 | |
| 13 | $2,585 | 6.625% | — | 5 | +$171 | |
| 14 | $2,649 | 7.000% | — | 1 | +$235 | |
| 15 | $2,829 | 7.000% | — | 1 | +$415 | |
| 16 | $2,950 | 7.188% | — | 2 | +$536 | |
| 17 | $3,012 | 6.750% | — | 4 | +$598 | |
| 18 | $3,328 | 7.500% | — | 1 | +$914 | |
| 19 | $3,932 | 6.250% | — | 1 | +$1,518 | |
| 20 | $6,755 | 7.500% | — | 1 | +$4,341 |
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 | Mid-America Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $275,000 | $335,000 | −$60,000 (−17.9%) |
| Median total closing costs | $2,414 | $7,127 | −$4,713 (−66.1%) |
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.