Purchase Originations
177
Median Total Costs
$4,042
−39.5% vs national ($6,680)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$925
Median Lender Credits
$500
Denial Rate
2.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 161 | 6.500% | $3,906 | $893 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,622 | 6.375% | — | 1 | −$1,420 | |
| 2 | $3,242 | 6.500% | — | 1 | −$800 | |
| 3 | $3,404 | 7.250% | — | 1 | −$638 | |
| 4 | $3,424 | 6.250% | — | 3 | −$618 | |
| 5 | $3,590 | 6.500% | — | 1 | −$452 | |
| 6 | $3,615 | 6.625% | — | 8 | −$427 | |
| 7 | $3,652 | 6.000% | — | 1 | −$390 | |
| 8 | $3,771 | 6.500% | — | 48 | −$271 | |
| 9 | $3,804 | 6.375% | — | 1 | −$238 | |
| 10 | $4,112 | 6.500% | — | 20 | +$70 | |
| 11 | $4,213 | 6.250% | — | 78 | +$171 | |
| 12 | $4,273 | 6.500% | — | 2 | +$231 | |
| 13 | $4,451 | 6.750% | — | 5 | +$409 | |
| 14 | $4,584 | 6.500% | — | 1 | +$542 | |
| 15 | $4,818 | 6.125% | — | 2 | +$776 | |
| 16 | $5,114 | 6.625% | — | 1 | +$1,072 | |
| 17 | $5,790 | 6.250% | — | 1 | +$1,748 | |
| 18 | $6,944 | 7.188% | — | 2 | +$2,902 |
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 | Portage Community Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $205,000 | $335,000 | −$130,000 (−38.8%) |
| Median total closing costs | $4,042 | $7,127 | −$3,085 (−43.3%) |
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.