Purchase Originations
545
Ranked #597 nationally
Median Total Costs
$5,908
−11.6% vs national ($6,680)
↓ $497 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,500
Median Lender Credits
$328
Cost Rank (500+ vol.)
#270
among lenders with 500+ originations
Denial Rate
7.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 379 | 6.625% | $5,038 | $1,500 |
| fha | 152 | 5.990% | $8,929 | $1,500 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 475 | 6.490% | $5,953 | #46 |
| New Jersey | 57 | 6.625% | $5,311 | #147 |
| New York | 7 | 7.125% | $6,688 | — |
| Delaware | 4 | 6.058% | $9,721 | — |
| Georgia | 1 | 6.750% | $6,689 | — |
| Montana | 1 | 6.625% | $3,595 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,875 | 6.625% | — | 3 | −$2,033 | |
| 2 | $4,414 | 6.625% | — | 7 | −$1,494 | |
| 3 | $4,486 | 6.750% | — | 5 | −$1,422 | |
| 4 | $4,589 | 7.000% | — | 28 | −$1,319 | |
| 5 | $4,648 | 6.938% | — | 8 | −$1,260 | |
| 6 | $4,724 | 6.375% | — | 11 | −$1,184 | |
| 7 | $4,725 | 7.250% | — | 3 | −$1,183 | |
| 8 | $4,823 | 6.938% | — | 12 | −$1,085 | |
| 9 | $5,336 | 6.625% | — | 18 | −$572 | |
| 10 | $5,511 | 6.500% | — | 5 | −$397 | |
| 11 | $5,646 | 6.500% | — | 63 | −$262 | |
| 12 | $5,664 | 7.625% | — | 7 | −$244 | |
| 13 | $5,797 | 6.250% | — | 214 | −$111 | |
| 14 | $6,120 | 6.562% | — | 6 | +$212 | |
| 15 | $6,380 | 6.625% | — | 75 | +$472 | |
| 16 | $7,297 | 6.875% | — | 13 | +$1,389 | |
| 17 | $7,788 | 7.188% | — | 12 | +$1,880 | |
| 18 | $8,001 | 6.375% | — | 3 | +$2,093 | |
| 19 | $9,085 | 6.250% | — | 19 | +$3,177 | |
| 20 | $9,721 | 6.058% | — | 4 | +$3,813 |
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 Citizens Community Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $265,000 | $335,000 | −$70,000 (−20.9%) |
| Median total closing costs | $5,908 | $7,127 | −$1,219 (−17.1%) |
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.