Purchase Originations
450
Median Total Costs
$3,107
−53.5% vs national ($6,680)
↑ $59 vs prior year
Median Rate
6.875%
+5.9% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,750
Median Lender Credits
$750
Denial Rate
0.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 433 | 6.875% | $3,055 | $1,750 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,500 | 6.812% | — | 42 | −$607 | |
| 2 | $2,574 | 6.625% | — | 4 | −$533 | |
| 3 | $2,805 | 6.875% | — | 6 | −$302 | |
| 4 | $2,860 | 7.000% | — | 73 | −$247 | |
| 5 | $2,928 | 6.875% | — | 86 | −$179 | |
| 6 | $2,972 | 7.000% | — | 6 | −$135 | |
| 7 | $3,010 | 7.000% | — | 4 | −$97 | |
| 8 | $3,132 | 7.000% | — | 16 | +$25 | |
| 9 | $3,238 | 6.875% | — | 88 | +$131 | |
| 10 | $3,267 | 6.500% | — | 3 | +$160 | |
| 11 | $3,379 | 6.750% | — | 7 | +$272 | |
| 12 | $3,496 | 6.688% | — | 2 | +$389 | |
| 13 | $3,539 | 6.875% | — | 68 | +$432 | |
| 14 | $4,502 | 7.000% | — | 4 | +$1,395 | |
| 15 | $5,404 | 7.125% | — | 6 | +$2,297 | |
| 16 | $6,273 | 6.812% | — | 2 | +$3,166 | |
| 17 | $6,822 | 6.938% | — | 2 | +$3,715 | |
| 18 | $6,884 | 6.938% | — | 14 | +$3,777 | |
| 19 | $7,900 | 6.750% | — | 2 | +$4,793 | |
| 20 | $7,999 | 6.875% | — | 4 | +$4,892 |
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 | First Federal Savings Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $245,000 | $335,000 | −$90,000 (−26.9%) |
| Median total closing costs | $3,107 | $7,127 | −$4,020 (−56.4%) |
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.