Purchase Originations
271
Median Total Costs
$4,018
−39.9% vs national ($6,680)
↑ $136 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.500% vs prior year
Median Origination
$1,000
Median Lender Credits
$250
Denial Rate
4.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 271 | 6.250% | $4,018 | $1,000 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Ohio | 271 | 6.250% | $4,018 | #79 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,987 | 6.562% | — | 4 | −$1,031 | |
| 2 | $3,028 | 10.625% | — | 1 | −$990 | |
| 3 | $3,206 | 6.125% | — | 1 | −$812 | |
| 4 | $3,508 | 6.688% | — | 4 | −$510 | |
| 5 | $3,512 | 6.250% | — | 15 | −$506 | |
| 6 | $3,558 | 6.312% | — | 6 | −$460 | |
| 7 | $3,677 | 6.438% | — | 54 | −$341 | |
| 8 | $3,776 | 6.375% | — | 3 | −$242 | |
| 9 | $3,826 | 6.375% | — | 26 | −$192 | |
| 10 | $3,842 | 6.125% | — | 15 | −$176 | |
| 11 | $3,897 | 6.250% | — | 1 | −$121 | |
| 12 | $3,913 | 6.375% | — | 19 | −$105 | |
| 13 | $3,945 | 6.250% | — | 24 | −$73 | |
| 14 | $4,011 | 7.000% | — | 3 | −$7 | |
| 15 | $4,016 | 6.000% | — | 13 | −$2 | |
| 16 | $4,383 | 6.375% | — | 1 | +$365 | |
| 17 | $5,059 | 6.000% | — | 55 | +$1,041 | |
| 18 | $5,618 | 5.938% | — | 16 | +$1,600 | |
| 19 | $5,770 | 6.000% | — | 6 | +$1,752 | |
| 20 | $6,520 | 6.375% | — | 2 | +$2,502 |
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 Vinton County National Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $275,000 | $335,000 | −$60,000 (−17.9%) |
| Median total closing costs | $4,018 | $7,127 | −$3,109 (−43.6%) |
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.