Purchase Originations
240
Median Total Costs
$2,541
−62.0% vs national ($6,680)
↑ $71 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$750
Median Lender Credits
$234
Denial Rate
9.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 232 | 6.500% | $2,509 | $750 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,881 | 6.688% | — | 2 | −$660 | |
| 2 | $2,013 | 6.500% | — | 37 | −$528 | |
| 3 | $2,252 | 6.375% | — | 23 | −$289 | |
| 4 | $2,334 | 6.500% | — | 20 | −$207 | |
| 5 | $2,361 | 6.500% | — | 17 | −$180 | |
| 6 | $2,369 | 6.500% | — | 4 | −$172 | |
| 7 | $2,375 | 6.562% | — | 2 | −$166 | |
| 8 | $2,409 | 8.062% | — | 2 | −$132 | |
| 9 | $2,444 | 6.438% | — | 4 | −$97 | |
| 10 | $2,541 | 6.500% | — | 28 | +$0 | |
| 11 | $2,625 | 6.688% | — | 14 | +$84 | |
| 12 | $2,637 | 6.500% | — | 25 | +$96 | |
| 13 | $2,674 | 6.438% | — | 2 | +$133 | |
| 14 | $2,721 | 6.875% | — | 5 | +$180 | |
| 15 | $2,738 | 6.375% | — | 2 | +$197 | |
| 16 | $2,921 | 6.500% | — | 17 | +$380 | |
| 17 | $3,450 | 6.875% | — | 1 | +$909 | |
| 18 | $3,779 | 6.750% | — | 6 | +$1,238 | |
| 19 | $3,873 | 6.188% | — | 2 | +$1,332 | |
| 20 | $4,218 | 6.500% | — | 17 | +$1,677 |
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 | Peoples National Bank , N.A. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $135,000 | $335,000 | −$200,000 (−59.7%) |
| Median total closing costs | $2,541 | $7,127 | −$4,586 (−64.3%) |
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.