Purchase Originations
126
Median Total Costs
$2,237
−66.5% vs national ($6,680)
↓ $175 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↓ 1.100% vs prior year
Median Origination
$700
Median Lender Credits
$100
Denial Rate
19.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 119 | 6.750% | $2,180 | $700 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $337 | 6.750% | — | 1 | −$1,900 | |
| 2 | $1,468 | 6.750% | — | 2 | −$769 | |
| 3 | $1,548 | 6.750% | — | 7 | −$689 | |
| 4 | $1,687 | 6.750% | — | 1 | −$550 | |
| 5 | $2,132 | 6.750% | — | 80 | −$105 | |
| 6 | $2,294 | 6.750% | — | 28 | +$57 | |
| 7 | $3,222 | 6.375% | — | 2 | +$985 | |
| 8 | $3,415 | 7.250% | — | 1 | +$1,178 | |
| 9 | $3,794 | 7.000% | — | 1 | +$1,557 | |
| 10 | $4,624 | 7.000% | — | 2 | +$2,387 | |
| 11 | $8,665 | 6.625% | — | 1 | +$6,428 |
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 | Southwest Missouri Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $195,000 | $335,000 | −$140,000 (−41.8%) |
| Median total closing costs | $2,237 | $7,127 | −$4,890 (−68.6%) |
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.