Purchase Originations
106
Median Total Costs
$3,138
−53.0% vs national ($6,680)
↑ $392 vs prior year
Median Rate
7.250%
+11.7% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,140
Median Lender Credits
$22
Denial Rate
3.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 106 | 7.250% | $3,138 | $1,140 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,735 | 7.500% | — | 3 | −$403 | |
| 2 | $2,990 | 7.000% | — | 39 | −$148 | |
| 3 | $3,092 | 7.250% | — | 38 | −$46 | |
| 4 | $3,099 | 6.438% | — | 2 | −$39 | |
| 5 | $3,302 | 7.500% | — | 9 | +$164 | |
| 6 | $3,391 | 7.438% | — | 2 | +$253 | |
| 7 | $3,435 | 7.000% | — | 2 | +$297 | |
| 8 | $3,610 | 7.625% | — | 2 | +$472 | |
| 9 | $3,740 | 7.375% | — | 6 | +$602 | |
| 10 | $4,088 | 7.500% | — | 3 | +$950 |
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 Riddell National Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $225,000 | $335,000 | −$110,000 (−32.8%) |
| Median total closing costs | $3,138 | $7,127 | −$3,989 (−56.0%) |
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.