FIRST COMMUNITY closing costs and rates (2024)
In 2024, FIRST COMMUNITY originated 202 purchase mortgages at a median interest rate of 5.50% and median total closing costs of $5,049. That is $1,692 below the national median of $6,741. FIRST COMMUNITY is most active in Oregon with 194 originations there.
Purchase Originations
202
Median Total Costs
$5,049
−25.1% vs national ($6,741)
Median Rate
5.500%
−16.9% vs national (6.620%)
Median Origination
$1,650
Median Lender Credits
$256
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 202 | 5.500% | $5,049 | $1,650 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Oregon | 194 | 5.500% | $5,049 | #48 |
| Washington | 7 | 5.500% | $6,438 | — |
| Idaho | 1 | 5.500% | $4,028 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,183 | 6.250% | — | 17 | −$1,866 | |
| 2 | $3,701 | 5.000% | — | 25 | −$1,348 | |
| 3 | $4,028 | 5.500% | — | 1 | −$1,021 | |
| 4 | $4,144 | 5.500% | — | 4 | −$905 | |
| 5 | $4,169 | 5.000% | — | 7 | −$880 | |
| 6 | $4,741 | 5.000% | — | 8 | −$308 | |
| 7 | $4,801 | 5.562% | — | 2 | −$248 | |
| 8 | $5,042 | 5.500% | — | 16 | −$7 | |
| 9 | $5,080 | 5.250% | — | 2 | +$31 | |
| 10 | $5,334 | 5.500% | — | 26 | +$285 | |
| 11 | $5,370 | 5.000% | — | 15 | +$321 | |
| 12 | $5,372 | 5.500% | — | 21 | +$323 | |
| 13 | $5,806 | 5.500% | — | 7 | +$757 | |
| 14 | $5,816 | 5.500% | — | 7 | +$767 | |
| 15 | $5,863 | 5.500% | — | 8 | +$814 | |
| 16 | $6,234 | 5.875% | — | 2 | +$1,185 | |
| 17 | $6,270 | 5.500% | — | 8 | +$1,221 | |
| 18 | $6,786 | 5.500% | — | 15 | +$1,737 | |
| 19 | $7,588 | 5.812% | — | 2 | +$2,539 | |
| 20 | $7,888 | 5.250% | — | 6 | +$2,839 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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 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.