Purchase Originations
395
Median Total Costs
$5,885
−11.9% vs national ($6,680)
↑ $1,450 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$3,405
Median Lender Credits
$1,185
Denial Rate
4.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 372 | 6.500% | $5,734 | $3,432 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Tennessee | 386 | 6.500% | $5,786 | #44 |
| Alabama | 7 | 5.990% | $12,725 | — |
| Kentucky | 1 | 5.875% | $8,315 | — |
| South Carolina | 1 | 6.650% | $18,079 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,964 | 6.650% | — | 3 | −$3,921 | |
| 2 | $4,293 | 6.500% | — | 4 | −$1,592 | |
| 3 | $4,759 | 6.550% | — | 78 | −$1,126 | |
| 4 | $5,240 | 6.650% | — | 17 | −$645 | |
| 5 | $5,634 | 6.650% | — | 35 | −$251 | |
| 6 | $5,709 | 6.650% | — | 5 | −$176 | |
| 7 | $5,845 | 6.550% | — | 56 | −$40 | |
| 8 | $5,882 | 6.763% | — | 10 | −$3 | |
| 9 | $5,913 | 6.500% | — | 91 | +$28 | |
| 10 | $6,376 | 6.570% | — | 12 | +$491 | |
| 11 | $6,427 | 6.920% | — | 2 | +$542 | |
| 12 | $6,625 | 6.650% | — | 3 | +$740 | |
| 13 | $7,252 | 6.750% | — | 7 | +$1,367 | |
| 14 | $7,583 | 7.190% | — | 6 | +$1,698 | |
| 15 | $7,892 | 7.190% | — | 2 | +$2,007 | |
| 16 | $8,315 | 5.875% | — | 1 | +$2,430 | |
| 17 | $8,887 | 6.125% | — | 9 | +$3,002 | |
| 18 | $10,135 | 6.500% | — | 3 | +$4,250 | |
| 19 | $11,954 | 6.490% | — | 30 | +$6,069 | |
| 20 | $12,725 | 5.990% | — | 7 | +$6,840 |
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 | Wilson Bank And Trust | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $365,000 | $335,000 | +$30,000 (+9.0%) |
| Median total closing costs | $5,885 | $7,127 | −$1,242 (−17.4%) |
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.