Purchase Originations
153
Median Total Costs
$3,630
−45.7% vs national ($6,680)
↑ $500 vs prior year
Median Rate
6.642%
+2.3% vs national (6.490%)
↓ 0.256% vs prior year
Median Origination
$1,848
Median Lender Credits
$70
Denial Rate
6.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 153 | 6.642% | $3,630 | $1,848 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Kentucky | 153 | 6.642% | $3,630 | #66 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,108 | 6.497% | — | 1 | −$1,522 | |
| 2 | $2,767 | 6.802% | — | 24 | −$863 | |
| 3 | $2,983 | 6.515% | — | 2 | −$647 | |
| 4 | $3,003 | 6.642% | — | 25 | −$627 | |
| 5 | $3,093 | 6.191% | — | 2 | −$537 | |
| 6 | $3,098 | 6.962% | — | 1 | −$532 | |
| 7 | $3,634 | 6.799% | — | 31 | +$4 | |
| 8 | $3,811 | 7.213% | — | 4 | +$181 | |
| 9 | $3,847 | 7.598% | — | 4 | +$217 | |
| 10 | $4,095 | 7.953% | — | 1 | +$465 | |
| 11 | $4,110 | 6.564% | — | 19 | +$480 | |
| 12 | $4,727 | 6.497% | — | 33 | +$1,097 | |
| 13 | $5,418 | 6.864% | — | 2 | +$1,788 | |
| 14 | $5,850 | 6.546% | — | 2 | +$2,220 | |
| 15 | $5,960 | 6.491% | — | 2 | +$2,330 |
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 | The Cecilian Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $205,000 | $335,000 | −$130,000 (−38.8%) |
| Median total closing costs | $3,630 | $7,127 | −$3,497 (−49.1%) |
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.