Purchase Originations
102
Median Total Costs
$3,978
−40.5% vs national ($6,680)
↑ $301 vs prior year
Median Rate
6.490%
+0.0% vs national (6.490%)
↓ 0.010% vs prior year
Median Origination
$1,090
Median Lender Credits
$55
Denial Rate
8.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 84 | 6.500% | $3,798 | $1,090 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,183 | 7.750% | — | 1 | −$1,795 | |
| 2 | $2,920 | 6.870% | — | 2 | −$1,058 | |
| 3 | $3,179 | 6.000% | — | 1 | −$799 | |
| 4 | $3,226 | 6.558% | — | 4 | −$752 | |
| 5 | $3,419 | 6.490% | — | 1 | −$559 | |
| 6 | $3,505 | 6.875% | — | 1 | −$473 | |
| 7 | $3,750 | 6.495% | — | 2 | −$228 | |
| 8 | $3,785 | 6.490% | — | 1 | −$193 | |
| 9 | $3,898 | 6.490% | — | 30 | −$80 | |
| 10 | $3,899 | 6.500% | — | 13 | −$79 | |
| 11 | $4,163 | 6.490% | — | 26 | +$185 | |
| 12 | $5,162 | 5.990% | — | 1 | +$1,184 | |
| 13 | $5,252 | 8.000% | — | 1 | +$1,274 | |
| 14 | $5,774 | 6.370% | — | 2 | +$1,796 | |
| 15 | $5,846 | 6.375% | — | 8 | +$1,868 | |
| 16 | $6,117 | 5.875% | — | 1 | +$2,139 | |
| 17 | $6,383 | 6.500% | — | 3 | +$2,405 | |
| 18 | $7,384 | 5.500% | — | 1 | +$3,406 | |
| 19 | $7,694 | 6.125% | — | 1 | +$3,716 | |
| 20 | $12,533 | 5.490% | — | 1 | +$8,555 |
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 Farmers Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $365,000 | $335,000 | +$30,000 (+9.0%) |
| Median total closing costs | $3,978 | $7,127 | −$3,149 (−44.2%) |
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.