Purchase Originations
7,852
Ranked #54 nationally
Median Total Costs
$8,442
+26.4% vs national ($6,680)
↓ $373 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$3,510
Median Lender Credits
$1,183
Cost Rank (500+ vol.)
#470
among lenders with 500+ originations
Denial Rate
6.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 5,275 | 6.625% | $7,414 | $4,016 |
| fha | 1,633 | 6.125% | $12,116 | $2,640 |
| va | 869 | 6.250% | $9,013 | $2,193 |
| usda | 75 | 6.250% | $7,246 | $2,568 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 974 | 6.500% | $10,526 | #50 |
| Arizona | 856 | 6.375% | $9,379 | #22 |
| Texas | 703 | 6.490% | $9,983 | #87 |
| South Dakota | 594 | 6.375% | $7,009 | #1 |
| Colorado | 401 | 6.375% | $8,758 | #41 |
| Georgia | 362 | 6.500% | $9,207 | #65 |
| Utah | 293 | 6.375% | $8,240 | #26 |
| North Carolina | 248 | 6.500% | $6,763 | #93 |
| Minnesota | 229 | 6.500% | $6,079 | #57 |
| Nebraska | 227 | 6.375% | $5,917 | #24 |
| California | 179 | 6.625% | $11,199 | #155 |
| Oregon | 159 | 6.500% | $11,705 | #52 |
| Nevada | 157 | 6.375% | $9,483 | #46 |
| Alabama | 153 | 6.500% | $6,955 | #66 |
| Michigan | 133 | 6.625% | $5,251 | #97 |
| Virginia | 127 | 6.490% | $8,814 | #111 |
| Missouri | 121 | 6.625% | $5,423 | #76 |
| Washington | 116 | 6.375% | $10,952 | #99 |
| South Carolina | 115 | 6.500% | $8,884 | #111 |
| Illinois | 113 | 6.375% | $7,608 | #141 |
| Kentucky | 113 | 6.625% | $7,232 | #80 |
| Pennsylvania | 106 | 6.625% | $8,262 | #154 |
| Ohio | 101 | 6.625% | $6,538 | #134 |
| Tennessee | 98 | 6.500% | $8,868 | #128 |
| Iowa | 96 | 6.375% | $6,180 | #61 |
| Wyoming | 92 | 6.375% | $7,239 | #13 |
| Wisconsin | 91 | 6.500% | $4,267 | #99 |
| Indiana | 90 | 6.500% | $7,367 | #137 |
| Idaho | 86 | 6.375% | $9,981 | #49 |
| Montana | 81 | 6.500% | $7,234 | #22 |
| New Jersey | 76 | 6.562% | $10,895 | #126 |
| Maryland | 75 | 6.625% | $8,769 | #112 |
| New Mexico | 68 | 6.500% | $8,690 | #54 |
| Hawaii | 66 | 6.375% | $11,471 | #27 |
| Kansas | 62 | 6.562% | $6,146 | #90 |
| Louisiana | 53 | 6.500% | $6,658 | #82 |
| Arkansas | 44 | 6.500% | $5,438 | — |
| Massachusetts | 28 | 6.500% | $10,650 | — |
| New Hampshire | 27 | 6.490% | $9,135 | — |
| Oklahoma | 26 | 6.438% | $8,752 | — |
| Delaware | 25 | 6.500% | $12,846 | — |
| Vermont | 23 | 6.625% | $6,074 | — |
| West Virginia | 16 | 6.495% | $8,744 | — |
| Alaska | 14 | 6.500% | $9,128 | — |
| North Dakota | 9 | 6.500% | $8,636 | — |
| Mississippi | 7 | 6.375% | $8,656 | — |
| Connecticut | 6 | 6.500% | $14,986 | — |
| Maine | 5 | 6.625% | $12,939 | — |
| New York | 3 | 6.750% | $16,090 | — |
| Rhode Island | 3 | 6.500% | $10,892 | — |
| District of Columbia | 2 | 7.312% | $13,598 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,632 | 6.500% | — | 72 | −$1,810 | |
| 2 | $6,683 | 6.500% | — | 82 | −$1,759 | |
| 3 | $6,860 | 6.375% | — | 123 | −$1,582 | |
| 4 | $6,926 | 6.375% | — | 256 | −$1,516 | |
| 5 | $7,478 | 6.375% | — | 73 | −$964 | |
| 6 | $7,525 | 6.375% | — | 63 | −$917 | |
| 7 | $7,872 | 6.375% | — | 97 | −$570 | |
| 8 | $7,931 | 6.500% | — | 74 | −$511 | |
| 9 | $8,723 | 6.625% | — | 61 | +$281 | |
| 10 | $9,312 | 6.625% | — | 58 | +$870 | |
| 11 | $9,522 | 6.500% | — | 71 | +$1,080 | |
| 12 | $9,705 | 6.375% | — | 62 | +$1,263 | |
| 13 | $9,732 | 6.375% | — | 58 | +$1,290 | |
| 14 | $9,791 | 6.625% | — | 62 | +$1,349 | |
| 15 | $9,823 | 6.375% | — | 664 | +$1,381 | |
| 16 | $10,117 | 6.250% | — | 97 | +$1,675 | |
| 17 | $10,275 | 6.125% | — | 78 | +$1,833 | |
| 18 | $10,470 | 6.625% | — | 115 | +$2,028 | |
| 19 | $11,280 | 6.375% | — | 127 | +$2,838 | |
| 20 | $11,589 | 6.375% | — | 74 | +$3,147 |
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 | Plains Commerce Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $375,000 | $335,000 | +$40,000 (+11.9%) |
| Median total closing costs | $8,442 | $7,127 | +$1,315 (+18.5%) |
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.