Western State Bank closing costs and rates (2024)
In 2024, Western State Bank originated 102 purchase mortgages at a median interest rate of 6.44% and median total closing costs of $4,118. That is $2,623 below the national median of $6,741. Western State Bank is most active in North Dakota with 60 originations there.
Purchase Originations
102
Median Total Costs
$4,118
−38.9% vs national ($6,741)
Median Rate
6.438%
−2.8% vs national (6.620%)
Median Origination
$850
Median Lender Credits
$500
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 85 | 6.375% | $3,669 | $850 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| North Dakota | 60 | 6.000% | $3,047 | #27 |
| Arizona | 19 | 6.875% | $4,480 | — |
| Minnesota | 16 | 6.688% | $5,488 | — |
| Illinois | 3 | 6.625% | $4,649 | — |
| Georgia | 1 | 5.750% | $3,646 | — |
| Montana | 1 | 6.750% | $7,057 | — |
| New Mexico | 1 | 6.750% | $11,841 | — |
| Texas | 1 | 7.400% | $9,972 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,590 | 6.000% | — | 3 | −$1,528 | |
| 2 | $2,679 | 5.750% | — | 1 | −$1,439 | |
| 3 | $2,817 | 7.350% | — | 1 | −$1,301 | |
| 4 | $2,898 | 6.000% | — | 10 | −$1,220 | |
| 5 | $2,950 | 6.750% | — | 1 | −$1,168 | |
| 6 | $3,281 | 6.875% | — | 1 | −$837 | |
| 7 | $3,374 | 5.875% | — | 41 | −$744 | |
| 8 | $3,396 | 7.375% | — | 1 | −$722 | |
| 9 | $3,646 | 5.750% | — | 1 | −$472 | |
| 10 | $3,897 | 7.062% | — | 2 | −$221 | |
| 11 | $3,952 | 6.875% | — | 1 | −$166 | |
| 12 | $3,968 | 6.500% | — | 1 | −$150 | |
| 13 | $4,199 | 6.875% | — | 1 | +$81 | |
| 14 | $4,501 | 6.750% | — | 16 | +$383 | |
| 15 | $4,783 | 6.500% | — | 1 | +$665 | |
| 16 | $4,854 | 6.375% | — | 2 | +$736 | |
| 17 | $5,706 | 6.625% | — | 13 | +$1,588 | |
| 18 | $7,057 | 6.750% | — | 1 | +$2,939 | |
| 19 | $7,954 | 7.250% | — | 1 | +$3,836 | |
| 20 | $11,433 | 5.375% | — | 1 | +$7,315 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.