Purchase Originations
256
Median Total Costs
$2,271
−66.0% vs national ($6,680)
↑ $104 vs prior year
Median Rate
5.750%
−11.4% vs national (6.490%)
↓ 0.625% vs prior year
Median Origination
$31
Median Lender Credits
$29
Denial Rate
10.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 256 | 5.750% | $2,271 | $31 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,918 | 5.500% | — | 18 | −$353 | |
| 2 | $1,938 | 6.188% | — | 6 | −$333 | |
| 3 | $1,945 | 5.875% | — | 2 | −$326 | |
| 4 | $2,040 | 5.375% | — | 2 | −$231 | |
| 5 | $2,078 | 6.375% | — | 5 | −$193 | |
| 6 | $2,127 | 6.625% | — | 5 | −$144 | |
| 7 | $2,201 | 5.875% | — | 2 | −$70 | |
| 8 | $2,203 | 5.500% | — | 18 | −$68 | |
| 9 | $2,240 | 5.500% | — | 21 | −$31 | |
| 10 | $2,250 | 5.688% | — | 2 | −$21 | |
| 11 | $2,257 | 5.750% | — | 102 | −$14 | |
| 12 | $2,278 | 5.500% | — | 14 | +$7 | |
| 13 | $2,320 | 6.062% | — | 4 | +$49 | |
| 14 | $2,324 | 5.750% | — | 11 | +$53 | |
| 15 | $2,335 | 6.000% | — | 7 | +$64 | |
| 16 | $2,401 | 6.500% | — | 5 | +$130 | |
| 17 | $2,460 | 6.250% | — | 2 | +$189 | |
| 18 | $2,470 | 6.500% | — | 11 | +$199 | |
| 19 | $2,535 | 6.125% | — | 3 | +$264 | |
| 20 | $2,616 | 5.938% | — | 4 | +$345 |
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 Exchange Bank and Trust | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $235,000 | $335,000 | −$100,000 (−29.9%) |
| Median total closing costs | $2,271 | $7,127 | −$4,856 (−68.1%) |
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.