Plains Commerce Bank

12,504 mortgages originated in 2025 across 37 states, and what they cost borrowers.

Loans originated

12,504

Median rate

6.500%

Median lender fees

$8,175

Median loan amount

$335,000

Median spread over APOR

0.229

Paid discount points

43.1%

Received lender credits

34.5%

Purchases / refinances

90.4% / 8.8%

Conventional / FHA / VA

66% / 24.9% / 8.4%

Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 73.1% of loans here — see methodology.

Where Plains Commerce Bank lent

States with at least 50 loans in 2025, ranked by volume.