Purchase Originations
120
Median Total Costs
$3,078
−53.9% vs national ($6,680)
↓ $132 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↑ 0.062% vs prior year
Median Origination
$958
Median Lender Credits
$250
Denial Rate
4.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 119 | 6.750% | $3,066 | $958 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,370 | 6.625% | — | 1 | −$708 | |
| 2 | $2,461 | 5.625% | — | 1 | −$617 | |
| 3 | $2,576 | 6.125% | — | 1 | −$502 | |
| 4 | $2,612 | 6.625% | — | 21 | −$466 | |
| 5 | $2,646 | 6.812% | — | 2 | −$432 | |
| 6 | $2,812 | 6.938% | — | 2 | −$266 | |
| 7 | $2,864 | 6.375% | — | 1 | −$214 | |
| 8 | $2,996 | 6.875% | — | 1 | −$82 | |
| 9 | $3,010 | 6.500% | — | 11 | −$68 | |
| 10 | $3,058 | 6.625% | — | 49 | −$20 | |
| 11 | $3,066 | 6.125% | — | 1 | −$12 | |
| 12 | $3,104 | 6.125% | — | 1 | +$26 | |
| 13 | $3,141 | 6.688% | — | 4 | +$63 | |
| 14 | $3,184 | 6.875% | — | 1 | +$106 | |
| 15 | $3,201 | 6.875% | — | 18 | +$123 | |
| 16 | $3,250 | 6.250% | — | 2 | +$172 | |
| 17 | $3,465 | 6.875% | — | 1 | +$387 | |
| 18 | $4,561 | 6.750% | — | 1 | +$1,483 | |
| 19 | $5,279 | 6.625% | — | 1 | +$2,201 |
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 First National Bank and Trust Company | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $235,000 | $335,000 | −$100,000 (−29.9%) |
| Median total closing costs | $3,078 | $7,127 | −$4,049 (−56.8%) |
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.