Purchase Originations
1,054
Ranked #364 nationally
Median Total Costs
$11,290
+69.0% vs national ($6,680)
↑ $428 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$6,141
Median Lender Credits
$678
Cost Rank (500+ vol.)
#571
among lenders with 500+ originations
Denial Rate
3.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 737 | 6.500% | $9,006 | $5,853 |
| fha | 244 | 6.000% | $17,222 | $7,390 |
| va | 73 | 6.000% | $13,464 | $6,208 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Washington | 958 | 6.375% | $11,121 | #18 |
| Oregon | 59 | 7.125% | $13,759 | #92 |
| Idaho | 17 | 6.625% | $14,323 | — |
| Arizona | 11 | 6.750% | $5,602 | — |
| California | 5 | 6.500% | $14,391 | — |
| Montana | 2 | 6.750% | $7,799 | — |
| Colorado | 1 | 5.500% | $15,638 | — |
| Nevada | 1 | 5.625% | $10,019 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,602 | 6.875% | — | 7 | −$5,688 | |
| 2 | $6,667 | 6.625% | — | 17 | −$4,623 | |
| 3 | $8,573 | 6.625% | — | 19 | −$2,717 | |
| 4 | $9,016 | 6.375% | — | 47 | −$2,274 | |
| 5 | $9,354 | 6.375% | — | 189 | −$1,936 | |
| 6 | $9,408 | 6.562% | — | 10 | −$1,882 | |
| 7 | $9,703 | 6.750% | — | 32 | −$1,587 | |
| 8 | $10,043 | 6.490% | — | 72 | −$1,247 | |
| 9 | $10,379 | 6.562% | — | 82 | −$911 | |
| 10 | $11,901 | 6.125% | — | 189 | +$611 | |
| 11 | $11,942 | 6.125% | — | 15 | +$652 | |
| 12 | $12,140 | 6.500% | — | 36 | +$850 | |
| 13 | $12,157 | 5.875% | — | 36 | +$867 | |
| 14 | $12,875 | 7.438% | — | 8 | +$1,585 | |
| 15 | $13,300 | 5.938% | — | 36 | +$2,010 | |
| 16 | $13,792 | 6.125% | — | 103 | +$2,502 | |
| 17 | $13,956 | 7.250% | — | 16 | +$2,666 | |
| 18 | $15,124 | 7.500% | — | 7 | +$3,834 | |
| 19 | $15,945 | 5.500% | — | 7 | +$4,655 | |
| 20 | $21,346 | 7.375% | — | 9 | +$10,056 |
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 Security Bank of Washington | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $435,000 | $335,000 | +$100,000 (+29.9%) |
| Median total closing costs | $11,290 | $7,127 | +$4,163 (+58.4%) |
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.