Purchase Originations
4,177
Ranked #117 nationally
Median Total Costs
$4,260
−36.2% vs national ($6,680)
↓ $51 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$250
Median Lender Credits
$600
Cost Rank (500+ vol.)
#132
among lenders with 500+ originations
Denial Rate
6.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,892 | 6.490% | $3,847 | $250 |
| va | 1,057 | 5.990% | $6,722 | $0 |
| fha | 228 | 6.125% | $9,423 | $312 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 342 | 6.125% | $5,424 | #147 |
| Missouri | 326 | 6.375% | $2,708 | #37 |
| Kansas | 293 | 6.375% | $2,404 | #24 |
| Florida | 269 | 6.250% | $5,571 | #130 |
| North Carolina | 247 | 6.125% | $3,757 | #94 |
| Washington | 177 | 6.125% | $4,884 | #68 |
| Georgia | 159 | 6.125% | $4,326 | #115 |
| California | 158 | 6.375% | $5,850 | #162 |
| Virginia | 149 | 6.125% | $4,443 | #103 |
| Pennsylvania | 128 | 6.375% | $4,978 | #138 |
| Colorado | 120 | 6.312% | $2,820 | #98 |
| Illinois | 119 | 6.375% | $5,589 | #138 |
| South Carolina | 111 | 6.125% | $4,146 | #113 |
| New Jersey | 99 | 6.375% | $5,215 | #112 |
| Tennessee | 94 | 6.250% | $4,225 | #131 |
| Arizona | 79 | 6.250% | $4,565 | #115 |
| Ohio | 79 | 6.375% | $3,709 | #152 |
| Massachusetts | 74 | 6.312% | $4,472 | #104 |
| Oklahoma | 74 | 6.125% | $4,055 | #81 |
| Indiana | 71 | 6.250% | $2,552 | #148 |
| New York | 68 | 6.562% | $4,628 | #139 |
| Alabama | 67 | 6.125% | $2,891 | #116 |
| Michigan | 62 | 6.375% | $3,268 | #141 |
| Arkansas | 58 | 6.375% | $3,146 | #87 |
| New Mexico | 57 | 6.125% | $4,624 | #60 |
| Oregon | 57 | 6.375% | $3,848 | #94 |
| Alaska | 56 | 6.062% | $5,614 | #23 |
| Maryland | 53 | 6.490% | $4,739 | #136 |
| Nevada | 53 | 6.125% | $4,309 | #89 |
| Minnesota | 51 | 6.375% | $3,449 | #126 |
| Wisconsin | 50 | 6.188% | $2,664 | #140 |
| Kentucky | 46 | 6.125% | $3,677 | — |
| Nebraska | 34 | 6.188% | $2,517 | — |
| Connecticut | 33 | 6.375% | $4,712 | — |
| Utah | 31 | 6.375% | $3,462 | — |
| Idaho | 25 | 6.250% | $5,343 | — |
| Louisiana | 23 | 6.125% | $4,450 | — |
| Iowa | 22 | 6.375% | $3,123 | — |
| Mississippi | 22 | 6.312% | $3,858 | — |
| New Hampshire | 19 | 6.500% | $3,180 | — |
| Rhode Island | 19 | 6.375% | $3,759 | — |
| District of Columbia | 17 | 6.375% | $5,117 | — |
| Montana | 17 | 5.990% | $4,002 | — |
| Maine | 16 | 6.125% | $3,587 | — |
| West Virginia | 13 | 6.375% | $3,160 | — |
| Wyoming | 10 | 6.250% | $3,160 | — |
| Delaware | 9 | 6.250% | $4,174 | — |
| North Dakota | 8 | 5.990% | $6,178 | — |
| Vermont | 6 | 6.812% | $3,890 | — |
| South Dakota | 4 | 6.250% | $3,228 | — |
| Hawaii | 3 | 6.250% | $10,724 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,199 | 6.125% | — | 122 | −$2,061 | |
| 2 | $2,284 | 6.412% | — | 202 | −$1,976 | |
| 3 | $2,452 | 6.250% | — | 38 | −$1,808 | |
| 4 | $2,700 | 6.375% | — | 25 | −$1,560 | |
| 5 | $2,834 | 6.375% | — | 28 | −$1,426 | |
| 6 | $3,282 | 6.375% | — | 36 | −$978 | |
| 7 | $3,933 | 6.250% | — | 40 | −$327 | |
| 8 | $4,244 | 6.125% | — | 44 | −$16 | |
| 9 | $4,404 | 6.490% | — | 31 | +$144 | |
| 10 | $4,526 | 6.125% | — | 24 | +$266 | |
| 11 | $4,721 | 6.375% | — | 29 | +$461 | |
| 12 | $4,740 | 6.188% | — | 48 | +$480 | |
| 13 | $4,874 | 5.875% | — | 25 | +$614 | |
| 14 | $4,917 | 6.125% | — | 35 | +$657 | |
| 15 | $5,205 | 6.375% | — | 24 | +$945 | |
| 16 | $5,440 | 6.375% | — | 21 | +$1,180 | |
| 17 | $5,782 | 6.125% | — | 49 | +$1,522 | |
| 18 | $6,020 | 6.490% | — | 52 | +$1,760 | |
| 19 | $7,871 | 6.000% | — | 29 | +$3,611 | |
| 20 | $11,334 | 5.875% | — | 47 | +$7,074 |
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 | NBKC Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $395,000 | $335,000 | +$60,000 (+17.9%) |
| Median total closing costs | $4,260 | $7,127 | −$2,867 (−40.2%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
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.