Purchase Originations
124
Median Total Costs
$4,708
−29.5% vs national ($6,680)
↑ $265 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.500% vs prior year
Median Origination
$2,854
Median Lender Credits
$109
Denial Rate
5.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 124 | 6.250% | $4,708 | $2,854 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Alabama | 124 | 6.250% | $4,708 | #81 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,550 | 6.250% | — | 3 | −$1,158 | |
| 2 | $4,018 | 6.500% | — | 42 | −$690 | |
| 3 | $4,130 | 5.250% | — | 1 | −$578 | |
| 4 | $4,313 | 6.750% | — | 3 | −$395 | |
| 5 | $4,532 | 6.250% | — | 8 | −$176 | |
| 6 | $4,610 | 6.250% | — | 23 | −$98 | |
| 7 | $4,624 | 6.750% | — | 6 | −$84 | |
| 8 | $4,740 | 6.250% | — | 8 | +$32 | |
| 9 | $4,755 | 6.250% | — | 8 | +$47 | |
| 10 | $4,882 | 6.188% | — | 2 | +$174 | |
| 11 | $4,933 | 6.000% | — | 1 | +$225 | |
| 12 | $4,987 | 6.250% | — | 5 | +$279 | |
| 13 | $5,414 | 6.500% | — | 3 | +$706 | |
| 14 | $5,445 | 6.312% | — | 6 | +$737 | |
| 15 | $5,492 | 6.250% | — | 1 | +$784 | |
| 16 | $5,918 | 5.250% | — | 1 | +$1,210 | |
| 17 | $6,440 | 6.250% | — | 3 | +$1,732 |
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 | America's First | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $215,000 | $335,000 | −$120,000 (−35.8%) |
| Median total closing costs | $4,708 | $7,127 | −$2,419 (−33.9%) |
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.