Purchase Originations
121
Median Total Costs
$2,765
−58.6% vs national ($6,680)
↑ $157 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$785
Median Lender Credits
$45
Denial Rate
2.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 113 | 6.750% | $2,646 | $785 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Missouri | 121 | 6.750% | $2,765 | #77 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $451 | 7.500% | — | 1 | −$2,314 | |
| 2 | $1,222 | 7.250% | — | 4 | −$1,543 | |
| 3 | $1,903 | 9.000% | — | 1 | −$862 | |
| 4 | $2,004 | 7.375% | — | 6 | −$761 | |
| 5 | $2,055 | 7.500% | — | 1 | −$710 | |
| 6 | $2,090 | 6.750% | — | 2 | −$675 | |
| 7 | $2,238 | 10.250% | — | 1 | −$527 | |
| 8 | $2,587 | 7.375% | — | 21 | −$178 | |
| 9 | $2,638 | 5.375% | — | 1 | −$127 | |
| 10 | $2,640 | 6.750% | — | 3 | −$125 | |
| 11 | $2,836 | 6.625% | — | 55 | +$71 | |
| 12 | $2,839 | 7.000% | — | 6 | +$74 | |
| 13 | $2,977 | 7.000% | — | 5 | +$212 | |
| 14 | $3,058 | 6.875% | — | 1 | +$293 | |
| 15 | $3,062 | 6.625% | — | 1 | +$297 | |
| 16 | $3,122 | 6.250% | — | 2 | +$357 | |
| 17 | $3,133 | 5.875% | — | 1 | +$368 | |
| 18 | $3,386 | 6.750% | — | 1 | +$621 | |
| 19 | $3,496 | 6.875% | — | 5 | +$731 | |
| 20 | $8,574 | 6.125% | — | 1 | +$5,809 |
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 | Sullivan Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $205,000 | $335,000 | −$130,000 (−38.8%) |
| Median total closing costs | $2,765 | $7,127 | −$4,362 (−61.2%) |
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.