Purchase Originations
203
Median Total Costs
$5,561
−16.8% vs national ($6,680)
↑ $733 vs prior year
Median Rate
6.380%
−1.7% vs national (6.490%)
↓ 0.120% vs prior year
Median Origination
$3,114
Median Lender Credits
$144
Denial Rate
1.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 203 | 6.380% | $5,561 | $3,114 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,743 | 6.380% | — | 7 | −$1,818 | |
| 2 | $3,948 | 6.500% | — | 1 | −$1,613 | |
| 3 | $4,174 | 6.625% | — | 7 | −$1,387 | |
| 4 | $4,408 | 6.062% | — | 2 | −$1,153 | |
| 5 | $4,499 | 6.305% | — | 4 | −$1,062 | |
| 6 | $4,642 | 6.500% | — | 9 | −$919 | |
| 7 | $4,971 | 6.562% | — | 2 | −$590 | |
| 8 | $5,064 | 6.380% | — | 40 | −$497 | |
| 9 | $5,381 | 6.380% | — | 13 | −$180 | |
| 10 | $5,475 | 6.250% | — | 35 | −$86 | |
| 11 | $5,490 | 6.000% | — | 7 | −$71 | |
| 12 | $5,731 | 6.380% | — | 25 | +$170 | |
| 13 | $6,182 | 6.740% | — | 2 | +$621 | |
| 14 | $6,616 | 6.440% | — | 20 | +$1,055 | |
| 15 | $6,713 | 6.500% | — | 5 | +$1,152 | |
| 16 | $6,773 | 6.498% | — | 2 | +$1,212 | |
| 17 | $6,814 | 6.183% | — | 4 | +$1,253 | |
| 18 | $6,919 | 6.000% | — | 5 | +$1,358 | |
| 19 | $7,405 | 6.380% | — | 1 | +$1,844 | |
| 20 | $8,310 | 6.500% | — | 1 | +$2,749 |
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 | National Bank of Commerce | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $245,000 | $335,000 | −$90,000 (−26.9%) |
| Median total closing costs | $5,561 | $7,127 | −$1,566 (−22.0%) |
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.