Purchase Originations
468
Median Total Costs
$4,717
−29.4% vs national ($6,680)
↑ $379 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,095
Median Lender Credits
$574
Denial Rate
3.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 350 | 6.500% | $4,357 | $1,095 |
| fha | 104 | 6.125% | $14,826 | $1,395 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Massachusetts | 328 | 6.375% | $4,902 | #35 |
| Rhode Island | 131 | 6.500% | $4,397 | #16 |
| Connecticut | 6 | 6.375% | $4,681 | — |
| Florida | 3 | 6.250% | $14,901 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,507 | 6.375% | — | 1 | −$1,210 | |
| 2 | $3,592 | 6.375% | — | 5 | −$1,125 | |
| 3 | $4,345 | 6.562% | — | 2 | −$372 | |
| 4 | $4,363 | 6.375% | — | 3 | −$354 | |
| 5 | $4,364 | 6.438% | — | 36 | −$353 | |
| 6 | $4,429 | 6.500% | — | 84 | −$288 | |
| 7 | $4,442 | 6.562% | — | 10 | −$275 | |
| 8 | $4,505 | 6.375% | — | 30 | −$212 | |
| 9 | $4,570 | 6.500% | — | 138 | −$147 | |
| 10 | $4,625 | 6.500% | — | 30 | −$92 | |
| 11 | $4,691 | 6.875% | — | 1 | −$26 | |
| 12 | $4,709 | 6.250% | — | 25 | −$8 | |
| 13 | $5,018 | 6.250% | — | 27 | +$301 | |
| 14 | $5,723 | 6.500% | — | 6 | +$1,006 | |
| 15 | $5,772 | 6.500% | — | 1 | +$1,055 | |
| 16 | $6,818 | 6.312% | — | 2 | +$2,101 | |
| 17 | $8,007 | 6.125% | — | 13 | +$3,290 | |
| 18 | $11,746 | 6.125% | — | 52 | +$7,029 | |
| 19 | $14,901 | 6.250% | — | 1 | +$10,184 | |
| 20 | $16,395 | 5.750% | — | 1 | +$11,678 |
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 | Fall River Five Cents Savings Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $455,000 | $335,000 | +$120,000 (+35.8%) |
| Median total closing costs | $4,717 | $7,127 | −$2,410 (−33.8%) |
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.