Purchase Originations
675
Ranked #512 nationally
Median Total Costs
$2,550
−61.8% vs national ($6,680)
↑ $138 vs prior year
Median Rate
6.600%
+1.7% vs national (6.490%)
↓ 0.275% vs prior year
Median Origination
$650
Median Lender Credits
$48
Cost Rank (500+ vol.)
#27
among lenders with 500+ originations
Denial Rate
5.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 576 | 6.650% | $2,417 | $650 |
| fha | 56 | 6.125% | $6,070 | $670 |
| va | 27 | 6.125% | $5,832 | $670 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Illinois | 552 | 6.600% | $2,404 | #43 |
| Missouri | 113 | 6.500% | $3,129 | #83 |
| Florida | 2 | 6.295% | $8,109 | — |
| Indiana | 2 | 6.862% | $2,825 | — |
| Colorado | 1 | 6.850% | $2,494 | — |
| Georgia | 1 | 6.875% | $4,012 | — |
| Iowa | 1 | 6.625% | $2,414 | — |
| North Carolina | 1 | 6.125% | $3,284 | — |
| Tennessee | 1 | 5.990% | $15,438 | — |
| West Virginia | 1 | 7.350% | $4,328 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,963 | 6.375% | — | 4 | −$587 | |
| 2 | $2,016 | 7.000% | — | 3 | −$534 | |
| 3 | $2,078 | 6.425% | — | 2 | −$472 | |
| 4 | $2,247 | 6.625% | — | 7 | −$303 | |
| 5 | $2,291 | 6.625% | — | 153 | −$259 | |
| 6 | $2,401 | 6.600% | — | 265 | −$149 | |
| 7 | $2,418 | 6.600% | — | 2 | −$132 | |
| 8 | $2,459 | 6.700% | — | 14 | −$91 | |
| 9 | $2,494 | 6.850% | — | 1 | −$56 | |
| 10 | $2,541 | 6.750% | — | 10 | −$9 | |
| 11 | $2,635 | 6.500% | — | 83 | +$85 | |
| 12 | $2,860 | 6.500% | — | 2 | +$310 | |
| 13 | $3,056 | 6.500% | — | 65 | +$506 | |
| 14 | $3,078 | 6.375% | — | 11 | +$528 | |
| 15 | $3,300 | 6.862% | — | 12 | +$750 | |
| 16 | $3,882 | 6.312% | — | 4 | +$1,332 | |
| 17 | $4,012 | 6.875% | — | 1 | +$1,462 | |
| 18 | $4,227 | 6.280% | — | 15 | +$1,677 | |
| 19 | $8,018 | 6.600% | — | 1 | +$5,468 | |
| 20 | $8,200 | 5.990% | — | 1 | +$5,650 |
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 | FCB Banks | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $225,000 | $335,000 | −$110,000 (−32.8%) |
| Median total closing costs | $2,550 | $7,127 | −$4,577 (−64.2%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
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.