Purchase Originations
400
Median Total Costs
$9,082
+36.0% vs national ($6,680)
↑ $1,072 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$2,130
Median Lender Credits
$85
Denial Rate
5.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 263 | 7.000% | $9,653 | $7,120 |
| va | 109 | 5.990% | $7,893 | $0 |
| fha | 28 | 6.188% | $9,230 | $1,495 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Missouri | 50 | 6.624% | $3,703 | #146 |
| Virginia | 49 | 6.124% | $10,511 | — |
| Texas | 28 | 6.625% | $7,078 | — |
| Alaska | 26 | 5.875% | $10,352 | — |
| Florida | 25 | 6.750% | $7,828 | — |
| North Carolina | 17 | 6.750% | $11,257 | — |
| Michigan | 14 | 6.995% | $10,806 | — |
| South Carolina | 14 | 6.745% | $8,909 | — |
| Ohio | 12 | 7.000% | $12,578 | — |
| Kansas | 11 | 6.625% | $6,875 | — |
| Washington | 10 | 6.562% | $9,470 | — |
| Arizona | 9 | 7.000% | $4,757 | — |
| California | 8 | 6.812% | $16,459 | — |
| Georgia | 8 | 6.500% | $8,232 | — |
| Pennsylvania | 8 | 7.312% | $9,204 | — |
| Alabama | 7 | 7.500% | $17,060 | — |
| Tennessee | 7 | 6.250% | $9,479 | — |
| Colorado | 6 | 6.938% | $8,674 | — |
| Illinois | 6 | 7.370% | $9,593 | — |
| Kentucky | 6 | 6.625% | $7,352 | — |
| New Jersey | 6 | 6.938% | $21,408 | — |
| Wisconsin | 6 | 6.750% | $8,204 | — |
| Massachusetts | 5 | 7.500% | $17,589 | — |
| Maryland | 5 | 6.625% | $2,256 | — |
| Minnesota | 5 | 7.000% | $16,027 | — |
| Mississippi | 5 | 7.375% | $12,161 | — |
| Arkansas | 4 | 7.625% | $8,197 | — |
| Idaho | 4 | 6.688% | $8,165 | — |
| Indiana | 4 | 7.000% | $10,725 | — |
| Utah | 4 | 6.750% | $4,909 | — |
| Hawaii | 3 | 6.250% | $8,489 | — |
| Montana | 3 | 6.500% | $16,552 | — |
| Louisiana | 2 | 7.188% | $10,412 | — |
| Maine | 2 | 6.750% | $21,447 | — |
| Nebraska | 2 | 7.938% | $3,737 | — |
| New Hampshire | 2 | 7.562% | $16,767 | — |
| Nevada | 2 | 6.812% | $6,974 | — |
| Oklahoma | 2 | 7.312% | $9,369 | — |
| Oregon | 2 | 8.062% | $7,291 | — |
| Rhode Island | 2 | 6.875% | $31,065 | — |
| Vermont | 2 | 6.875% | $7,789 | — |
| Connecticut | 1 | 6.250% | $15,708 | — |
| District of Columbia | 1 | 7.250% | $20,049 | — |
| Delaware | 1 | 6.500% | $13,354 | — |
| Iowa | 1 | 8.750% | $7,874 | — |
| New York | 1 | 5.625% | $18,003 | — |
| West Virginia | 1 | 6.990% | $685 | — |
| Wyoming | 1 | 7.750% | $18,627 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,031 | 6.870% | — | 6 | −$6,051 | |
| 2 | $3,346 | 8.125% | — | 5 | −$5,736 | |
| 3 | $3,695 | 6.624% | — | 23 | −$5,387 | |
| 4 | $3,799 | 5.620% | — | 4 | −$5,283 | |
| 5 | $3,968 | 6.500% | — | 3 | −$5,114 | |
| 6 | $4,079 | 6.312% | — | 8 | −$5,003 | |
| 7 | $4,644 | 6.500% | — | 3 | −$4,438 | |
| 8 | $5,348 | 6.250% | — | 3 | −$3,734 | |
| 9 | $6,423 | 7.000% | — | 5 | −$2,659 | |
| 10 | $6,473 | 7.688% | — | 4 | −$2,609 | |
| 11 | $8,247 | 6.057% | — | 10 | −$835 | |
| 12 | $8,273 | 5.750% | — | 8 | −$809 | |
| 13 | $8,608 | 6.750% | — | 9 | −$474 | |
| 14 | $9,947 | 5.938% | — | 6 | +$865 | |
| 15 | $11,436 | 5.750% | — | 14 | +$2,354 | |
| 16 | $11,879 | 5.990% | — | 7 | +$2,797 | |
| 17 | $12,738 | 6.500% | — | 6 | +$3,656 | |
| 18 | $13,021 | 7.000% | — | 3 | +$3,939 | |
| 19 | $16,776 | 5.937% | — | 4 | +$7,694 | |
| 20 | $18,329 | 7.500% | — | 3 | +$9,247 |
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 | North American Savings Bank, F.S.B. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $395,000 | $335,000 | +$60,000 (+17.9%) |
| Median total closing costs | $9,082 | $7,127 | +$1,955 (+27.4%) |
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.