Purchase Originations
170
Median Total Costs
$3,836
−42.6% vs national ($6,680)
↑ $129 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$874
Median Lender Credits
—
Denial Rate
7.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 170 | 6.250% | $3,836 | $874 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Ohio | 96 | 6.250% | $4,064 | #139 |
| West Virginia | 69 | 6.250% | $3,580 | #44 |
| Kentucky | 3 | 6.125% | $3,900 | — |
| South Carolina | 2 | 6.312% | $4,592 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,364 | 6.438% | — | 2 | −$472 | |
| 2 | $3,432 | 6.250% | — | 19 | −$404 | |
| 3 | $3,512 | 6.250% | — | 25 | −$324 | |
| 4 | $3,705 | 6.438% | — | 20 | −$131 | |
| 5 | $3,764 | 5.812% | — | 2 | −$72 | |
| 6 | $3,786 | 6.875% | — | 6 | −$50 | |
| 7 | $3,844 | 5.812% | — | 2 | +$8 | |
| 8 | $3,900 | 6.250% | — | 1 | +$64 | |
| 9 | $4,003 | 6.250% | — | 21 | +$167 | |
| 10 | $4,040 | 5.875% | — | 20 | +$204 | |
| 11 | $4,098 | 6.125% | — | 1 | +$262 | |
| 12 | $4,120 | 6.062% | — | 2 | +$284 | |
| 13 | $4,258 | 6.125% | — | 1 | +$422 | |
| 14 | $4,311 | 7.375% | — | 2 | +$475 | |
| 15 | $4,366 | 6.125% | — | 28 | +$530 | |
| 16 | $4,416 | 6.500% | — | 1 | +$580 | |
| 17 | $4,612 | 5.938% | — | 8 | +$776 | |
| 18 | $4,757 | 6.375% | — | 2 | +$921 | |
| 19 | $4,949 | 6.312% | — | 2 | +$1,113 | |
| 20 | $5,374 | 6.750% | — | 1 | +$1,538 |
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 Ohio Valley Bank Company | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $240,000 | $335,000 | −$95,000 (−28.4%) |
| Median total closing costs | $3,836 | $7,127 | −$3,291 (−46.2%) |
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.