Purchase Originations
165
Median Total Costs
$3,967
−40.6% vs national ($6,680)
↑ $470 vs prior year
Median Rate
6.490%
+0.0% vs national (6.490%)
↓ 0.135% vs prior year
Median Origination
$1,075
Median Lender Credits
$96
Denial Rate
6.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 107 | 6.750% | $3,498 | $1,075 |
| fha | 46 | 6.124% | $7,642 | $1,075 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Mississippi | 156 | 6.433% | $3,949 | #35 |
| Tennessee | 5 | 6.580% | $6,807 | — |
| Alabama | 3 | 6.875% | $3,392 | — |
| South Carolina | 1 | 6.840% | $5,076 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,573 | 6.980% | — | 1 | −$1,394 | |
| 2 | $2,877 | 6.845% | — | 2 | −$1,090 | |
| 3 | $3,365 | 6.687% | — | 6 | −$602 | |
| 4 | $3,392 | 5.990% | — | 1 | −$575 | |
| 5 | $3,422 | 6.810% | — | 2 | −$545 | |
| 6 | $3,635 | 6.808% | — | 2 | −$332 | |
| 7 | $3,673 | 6.375% | — | 58 | −$294 | |
| 8 | $3,776 | 6.990% | — | 5 | −$191 | |
| 9 | $3,886 | 6.750% | — | 16 | −$81 | |
| 10 | $3,967 | 6.375% | — | 3 | +$0 | |
| 11 | $4,227 | 6.750% | — | 3 | +$260 | |
| 12 | $4,248 | 6.482% | — | 16 | +$281 | |
| 13 | $4,301 | 6.875% | — | 1 | +$334 | |
| 14 | $4,323 | 6.580% | — | 16 | +$356 | |
| 15 | $4,604 | 5.990% | — | 7 | +$637 | |
| 16 | $6,041 | 6.312% | — | 4 | +$2,074 | |
| 17 | $8,590 | 6.295% | — | 12 | +$4,623 | |
| 18 | $9,122 | 6.490% | — | 1 | +$5,155 | |
| 19 | $9,252 | 6.250% | — | 3 | +$5,285 | |
| 20 | $10,375 | 6.124% | — | 1 | +$6,408 |
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 Meridian | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $235,000 | $335,000 | −$100,000 (−29.9%) |
| Median total closing costs | $3,967 | $7,127 | −$3,160 (−44.3%) |
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.