Purchase Originations
125
Median Total Costs
$3,074
−54.0% vs national ($6,680)
↑ $108 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$436
Median Lender Credits
$1,109
Denial Rate
7.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 106 | 6.750% | $2,943 | $436 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Ohio | 119 | 6.625% | $3,055 | #121 |
| Indiana | 3 | 6.500% | $2,470 | — |
| Georgia | 1 | 6.875% | $6,070 | — |
| Kentucky | 1 | 6.490% | $9,334 | — |
| South Carolina | 1 | 7.625% | $4,135 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,109 | 6.875% | — | 2 | −$965 | |
| 2 | $2,416 | 6.500% | — | 1 | −$658 | |
| 3 | $2,470 | 6.500% | — | 1 | −$604 | |
| 4 | $2,521 | 6.750% | — | 7 | −$553 | |
| 5 | $2,799 | 6.750% | — | 1 | −$275 | |
| 6 | $2,828 | 6.375% | — | 1 | −$246 | |
| 7 | $2,847 | 6.812% | — | 8 | −$227 | |
| 8 | $2,944 | 6.625% | — | 13 | −$130 | |
| 9 | $2,953 | 7.000% | — | 2 | −$121 | |
| 10 | $3,037 | 7.000% | — | 1 | −$37 | |
| 11 | $3,046 | 6.938% | — | 2 | −$28 | |
| 12 | $3,047 | 6.500% | — | 1 | −$27 | |
| 13 | $3,104 | 6.500% | — | 61 | +$30 | |
| 14 | $3,377 | 6.812% | — | 4 | +$303 | |
| 15 | $3,693 | 7.125% | — | 1 | +$619 | |
| 16 | $4,152 | 6.750% | — | 1 | +$1,078 | |
| 17 | $4,955 | 6.500% | — | 6 | +$1,881 | |
| 18 | $5,136 | 6.375% | — | 1 | +$2,062 | |
| 19 | $6,070 | 6.875% | — | 1 | +$2,996 | |
| 20 | $9,334 | 6.490% | — | 1 | +$6,260 |
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 Citizens National Bank of Bluffton | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $185,000 | $335,000 | −$150,000 (−44.8%) |
| Median total closing costs | $3,074 | $7,127 | −$4,053 (−56.9%) |
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.