First Central Savings Bank closing costs and rates (2024)
In 2024, First Central Savings Bank originated 238 purchase mortgages at a median interest rate of 7.25% and median total closing costs of $11,555. That is $4,814 above the national median of $6,741. First Central Savings Bank is most active in New York with 208 originations there.
Purchase Originations
238
Median Total Costs
$11,555
+71.4% vs national ($6,741)
Median Rate
7.250%
+9.5% vs national (6.620%)
Median Origination
$6,540
Median Lender Credits
—
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 238 | 7.250% | $11,555 | $6,540 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 208 | 7.250% | $11,793 | #80 |
| Florida | 7 | 8.125% | $10,579 | — |
| New Jersey | 6 | 7.625% | $15,530 | — |
| Pennsylvania | 3 | 7.125% | $8,796 | — |
| Delaware | 2 | 7.000% | $12,281 | — |
| North Dakota | 2 | 7.125% | $9,453 | — |
| Ohio | 2 | 7.438% | $6,425 | — |
| Colorado | 1 | 7.375% | $8,470 | — |
| Georgia | 1 | 8.250% | $6,070 | — |
| Indiana | 1 | 7.875% | $5,008 | — |
| Minnesota | 1 | 6.750% | $8,697 | — |
| Mississippi | 1 | 7.125% | $8,416 | — |
| New Hampshire | 1 | 6.500% | $12,216 | — |
| Tennessee | 1 | 8.000% | $10,372 | — |
| Texas | 1 | 8.750% | $9,474 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,008 | 7.875% | — | 1 | −$6,547 | |
| 2 | $5,077 | 6.125% | — | 1 | −$6,478 | |
| 3 | $6,070 | 8.250% | — | 1 | −$5,485 | |
| 4 | $8,470 | 7.375% | — | 1 | −$3,085 | |
| 5 | $8,697 | 6.750% | — | 1 | −$2,858 | |
| 6 | $9,387 | 8.375% | — | 2 | −$2,168 | |
| 7 | $9,569 | 8.625% | — | 2 | −$1,986 | |
| 8 | $9,741 | 7.062% | — | 2 | −$1,814 | |
| 9 | $10,579 | 6.625% | — | 1 | −$976 | |
| 10 | $10,602 | 7.250% | — | 76 | −$953 | |
| 11 | $10,830 | 6.500% | — | 1 | −$725 | |
| 12 | $11,556 | 7.875% | — | 4 | +$1 | |
| 13 | $12,353 | 7.250% | — | 43 | +$798 | |
| 14 | $12,385 | 8.125% | — | 3 | +$830 | |
| 15 | $13,378 | 7.250% | — | 53 | +$1,823 | |
| 16 | $13,733 | 7.500% | — | 1 | +$2,178 | |
| 17 | $16,353 | 6.938% | — | 22 | +$4,798 | |
| 18 | $16,451 | 7.375% | — | 3 | +$4,896 | |
| 19 | $17,082 | 8.250% | — | 2 | +$5,527 | |
| 20 | $17,449 | 7.375% | — | 3 | +$5,894 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.