Purchase Originations
889
Ranked #413 nationally
Median Total Costs
$3,548
−46.9% vs national ($6,680)
↓ $274 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$915
Median Lender Credits
$99
Cost Rank (500+ vol.)
#73
among lenders with 500+ originations
Denial Rate
3.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 578 | 6.625% | $3,042 | $1,115 |
| fha | 181 | 6.250% | $5,154 | $0 |
| va | 119 | 6.125% | $5,259 | $750 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Kansas | 337 | 6.375% | $3,044 | #19 |
| Colorado | 288 | 6.625% | $4,010 | #58 |
| Missouri | 103 | 6.500% | $2,299 | #89 |
| Texas | 42 | 6.625% | $5,940 | — |
| Wyoming | 24 | 6.875% | $6,753 | — |
| Utah | 20 | 6.808% | $11,129 | — |
| Idaho | 17 | 6.875% | $6,612 | — |
| Florida | 14 | 6.370% | $6,722 | — |
| New Mexico | 12 | 6.990% | $7,061 | — |
| Tennessee | 5 | 6.750% | $4,141 | — |
| Arizona | 4 | 6.125% | $5,342 | — |
| Iowa | 3 | 6.500% | $4,732 | — |
| Illinois | 2 | 6.188% | $7,562 | — |
| Indiana | 2 | 6.438% | $1,774 | — |
| Michigan | 2 | 6.562% | $614 | — |
| Minnesota | 2 | 6.688% | $2,909 | — |
| North Carolina | 2 | 6.558% | $5,348 | — |
| Virginia | 2 | 6.250% | $10,979 | — |
| Alabama | 1 | 6.625% | $6,324 | — |
| California | 1 | 6.875% | $8,810 | — |
| Connecticut | 1 | 6.250% | $5,262 | — |
| North Dakota | 1 | 6.625% | $779 | — |
| Nebraska | 1 | 6.625% | $1,704 | — |
| Pennsylvania | 1 | 6.625% | $4,882 | — |
| Washington | 1 | 6.875% | $1,403 | — |
| Wisconsin | 1 | 7.125% | $920 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,565 | 6.625% | — | 9 | −$1,983 | |
| 2 | $1,868 | 6.625% | — | 8 | −$1,680 | |
| 3 | $2,429 | 6.500% | — | 33 | −$1,119 | |
| 4 | $2,664 | 6.740% | — | 21 | −$884 | |
| 5 | $2,665 | 6.375% | — | 69 | −$883 | |
| 6 | $2,916 | 6.250% | — | 13 | −$632 | |
| 7 | $2,948 | 6.375% | — | 44 | −$600 | |
| 8 | $3,170 | 6.375% | — | 105 | −$378 | |
| 9 | $3,634 | 6.500% | — | 134 | +$86 | |
| 10 | $3,640 | 6.250% | — | 10 | +$92 | |
| 11 | $3,732 | 6.875% | — | 15 | +$184 | |
| 12 | $3,835 | 6.500% | — | 32 | +$287 | |
| 13 | $3,938 | 6.620% | — | 12 | +$390 | |
| 14 | $4,069 | 6.740% | — | 11 | +$521 | |
| 15 | $4,148 | 6.990% | — | 9 | +$600 | |
| 16 | $4,691 | 6.625% | — | 11 | +$1,143 | |
| 17 | $4,906 | 6.625% | — | 15 | +$1,358 | |
| 18 | $5,993 | 6.750% | — | 12 | +$2,445 | |
| 19 | $6,614 | 6.375% | — | 7 | +$3,066 | |
| 20 | $7,274 | 6.500% | — | 8 | +$3,726 |
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 | NBH Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $275,000 | $335,000 | −$60,000 (−17.9%) |
| Median total closing costs | $3,548 | $7,127 | −$3,579 (−50.2%) |
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.