Purchase Originations
118
Median Total Costs
$4,960
−25.8% vs national ($6,680)
↓ $548 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.115% vs prior year
Median Origination
$2,496
Median Lender Credits
$500
Denial Rate
12.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 108 | 6.495% | $4,840 | $2,496 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,951 | 7.390% | — | 1 | −$2,009 | |
| 2 | $4,071 | 6.375% | — | 11 | −$889 | |
| 3 | $4,087 | 6.500% | — | 1 | −$873 | |
| 4 | $4,360 | 6.375% | — | 1 | −$600 | |
| 5 | $4,431 | 6.125% | — | 1 | −$529 | |
| 6 | $4,578 | 6.375% | — | 1 | −$382 | |
| 7 | $4,703 | 6.312% | — | 20 | −$257 | |
| 8 | $4,961 | 6.250% | — | 1 | +$1 | |
| 9 | $4,980 | 6.490% | — | 38 | +$20 | |
| 10 | $5,042 | 6.312% | — | 4 | +$82 | |
| 11 | $5,178 | 6.500% | — | 1 | +$218 | |
| 12 | $5,402 | 6.625% | — | 21 | +$442 | |
| 13 | $5,568 | 6.750% | — | 1 | +$608 | |
| 14 | $5,913 | 6.625% | — | 3 | +$953 | |
| 15 | $6,123 | 6.875% | — | 1 | +$1,163 | |
| 16 | $6,641 | 6.808% | — | 2 | +$1,681 | |
| 17 | $7,362 | 6.500% | — | 1 | +$2,402 | |
| 18 | $7,956 | 6.125% | — | 1 | +$2,996 | |
| 19 | $8,272 | 6.990% | — | 1 | +$3,312 | |
| 20 | $11,898 | 6.375% | — | 2 | +$6,938 |
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 | Park State Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $215,000 | $335,000 | −$120,000 (−35.8%) |
| Median total closing costs | $4,960 | $7,127 | −$2,167 (−30.4%) |
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.