Core Bank: 2025 mortgage rates, costs & approvals
How Core Bank priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Core Bank · LEI 549300Y01XP7FO81MC08
In 2025, Core Bank originated 386 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 18 states — 843rd by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.50% (all lenders: 6.625%); its median rate spread was 8 basis points below the national median. Median conventional loan costs were $2,820, 49% lower than the national median ($5,570).
It denied 3.1% of completed home-purchase applications (all lenders: 8.5%).
How Core Bank priced home-purchase loans
| Purchase loans, 2025 | Core Bank | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.500% | 6.625% |
| 30-year fixed rate · FHA | 6.125% | 6.250% |
| 30-year fixed rate · VA | 6.125% | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.05 pts | +0.13 pts |
| Total loan costs · conventional | $2,820 | $5,570 |
| Total loan costs · FHA | $7,470 | $11,310 |
| Total loan costs · VA | $5,240 | $6,490 |
| Origination charges (all types) | $1,200 | $1,860 |
| Borrowers paying discount points | 13.6% | 51.3% |
| Points paid, when paid (% of loan) | 0.25% | 0.87% |
| Borrowers receiving lender credits | 29.5% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where Core Bank lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Nebraska | 348 | 363 | 3.1% | 6.500% | $2,800 |
| Iowa | 11 | 11 | — | — | — |
| Colorado | 5 | 5 | — | — | — |
| Texas | 2 | 3 | — | — | — |
| Arizona | 2 | 2 | — | — | — |
| Florida | 2 | 2 | — | — | — |
| Georgia | 2 | 2 | — | — | — |
| Michigan | 2 | 2 | — | — | — |
| Missouri | 2 | 2 | — | — | — |
| Tennessee | 2 | 2 | — | — | — |
| California | 1 | 1 | — | — | — |
| Kansas | 1 | 1 | — | — | — |
| Ohio | 1 | 1 | — | — | — |
| Oklahoma | 1 | 1 | — | — | — |
| Pennsylvania | 1 | 1 | — | — | — |
| South Carolina | 1 | 1 | — | — | — |
| South Dakota | 1 | 1 | — | — | — |
| Virginia | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Core Bank's page for that state.
Counties where Core Bank is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Cass County, NE | 3 | 23 | 4.7% |
| Sarpy County, NE | 8 | 119 | 3.0% |
| Saunders County, NE | 9 | 10 | 2.7% |
| Douglas County, NE | 14 | 186 | 2.2% |
| Cherry County, NE | 21 | 1 | 2.2% |
| Wayne County, NE | 25 | 1 | 1.9% |
| Washington County, NE | 23 | 4 | 1.2% |
Check Core Bank yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300Y01XP7FO81MC08.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Core Bank with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology