1ST FINANCIAL, INC. closing costs and rates (2024)
In 2024, 1ST FINANCIAL, INC. originated 270 purchase mortgages at a median interest rate of 6.99% and median total closing costs of $16,003. That is $9,262 above the national median of $6,741. 1ST FINANCIAL, INC. is most active in Florida with 216 originations there.
Purchase Originations
270
Median Total Costs
$16,003
+137.4% vs national ($6,741)
Median Rate
6.990%
+5.6% vs national (6.620%)
Median Origination
$8,150
Median Lender Credits
$142
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 142 | 7.125% | $13,840 | $8,553 |
| fha | 117 | 6.750% | $19,543 | $7,911 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 216 | 6.990% | $16,654 | #163 |
| Maryland | 42 | 6.750% | $15,260 | — |
| Texas | 6 | 6.562% | $9,316 | — |
| Virginia | 4 | 6.375% | $14,440 | — |
| District of Columbia | 1 | 7.625% | $15,810 | — |
| Pennsylvania | 1 | 6.990% | $4,313 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $7,766 | 7.125% | — | 3 | −$8,237 | |
| 2 | $9,736 | 6.688% | — | 4 | −$6,267 | |
| 3 | $10,324 | 7.124% | — | 5 | −$5,679 | |
| 4 | $10,980 | 6.625% | — | 5 | −$5,023 | |
| 5 | $12,186 | 7.125% | — | 3 | −$3,817 | |
| 6 | $12,998 | 6.620% | — | 2 | −$3,005 | |
| 7 | $13,058 | 6.938% | — | 14 | −$2,945 | |
| 8 | $13,487 | 7.375% | — | 5 | −$2,516 | |
| 9 | $13,716 | 7.250% | — | 5 | −$2,287 | |
| 10 | $14,162 | 6.499% | — | 8 | −$1,841 | |
| 11 | $14,429 | 6.875% | — | 7 | −$1,574 | |
| 12 | $14,986 | 7.125% | — | 5 | −$1,017 | |
| 13 | $15,219 | 7.000% | — | 5 | −$784 | |
| 14 | $15,612 | 7.125% | — | 2 | −$391 | |
| 15 | $16,448 | 6.625% | — | 5 | +$445 | |
| 16 | $16,535 | 6.250% | — | 7 | +$532 | |
| 17 | $17,509 | 6.990% | — | 41 | +$1,506 | |
| 18 | $18,821 | 6.875% | — | 114 | +$2,818 | |
| 19 | $21,528 | 6.438% | — | 2 | +$5,525 | |
| 20 | $31,116 | 6.370% | — | 2 | +$15,113 |
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.