Purchase Originations
321
Median Total Costs
$5,316
−20.4% vs national ($6,680)
↑ $205 vs prior year
Median Rate
6.624%
+2.1% vs national (6.490%)
↓ 0.126% vs prior year
Median Origination
$1,395
Median Lender Credits
$350
Denial Rate
2.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 243 | 6.625% | $4,824 | $1,395 |
| fha | 57 | 6.250% | $9,211 | $1,350 |
| va | 21 | 6.500% | $10,819 | $1,395 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New Jersey | 278 | 6.562% | $5,226 | #54 |
| Pennsylvania | 39 | 6.500% | $5,808 | — |
| Florida | 2 | 7.745% | $19,542 | — |
| North Carolina | 1 | 6.625% | $5,340 | — |
| South Carolina | 1 | 6.625% | $5,546 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,384 | 6.990% | — | 1 | −$932 | |
| 2 | $4,738 | 6.688% | — | 8 | −$578 | |
| 3 | $4,768 | 6.808% | — | 4 | −$548 | |
| 4 | $4,985 | 6.624% | — | 56 | −$331 | |
| 5 | $5,053 | 6.500% | — | 4 | −$263 | |
| 6 | $5,085 | 6.625% | — | 10 | −$231 | |
| 7 | $5,251 | 6.500% | — | 91 | −$65 | |
| 8 | $5,340 | 6.625% | — | 1 | +$24 | |
| 9 | $5,439 | 6.500% | — | 83 | +$123 | |
| 10 | $5,589 | 6.812% | — | 10 | +$273 | |
| 11 | $5,671 | 6.933% | — | 6 | +$355 | |
| 12 | $5,686 | 6.875% | — | 6 | +$370 | |
| 13 | $5,769 | 6.370% | — | 6 | +$453 | |
| 14 | $5,869 | 6.438% | — | 4 | +$553 | |
| 15 | $6,404 | 6.375% | — | 7 | +$1,088 | |
| 16 | $7,281 | 6.250% | — | 9 | +$1,965 | |
| 17 | $8,447 | 6.375% | — | 5 | +$3,131 | |
| 18 | $8,690 | 6.812% | — | 2 | +$3,374 | |
| 19 | $13,779 | 6.750% | — | 3 | +$8,463 | |
| 20 | $34,700 | 8.500% | — | 1 | +$29,384 |
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 | 1st Colonial Community Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $315,000 | $335,000 | −$20,000 (−6.0%) |
| Median total closing costs | $5,316 | $7,127 | −$1,811 (−25.4%) |
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.