Purchase Originations
154
Median Total Costs
$4,512
−32.5% vs national ($6,680)
↓ $537 vs prior year
Median Rate
5.500%
−15.3% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$795
Median Lender Credits
$275
Denial Rate
8.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 154 | 5.500% | $4,512 | $795 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Oregon | 145 | 5.500% | $4,576 | #56 |
| Washington | 7 | 6.000% | $3,442 | — |
| Arizona | 1 | 5.500% | $4,138 | — |
| California | 1 | 6.000% | $2,537 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,537 | 6.000% | — | 1 | −$1,975 | |
| 2 | $2,986 | 5.000% | — | 1 | −$1,526 | |
| 3 | $3,351 | 6.000% | — | 3 | −$1,161 | |
| 4 | $3,653 | 5.000% | — | 4 | −$859 | |
| 5 | $3,840 | 5.312% | — | 2 | −$672 | |
| 6 | $3,858 | 4.875% | — | 2 | −$654 | |
| 7 | $4,138 | 5.500% | — | 1 | −$374 | |
| 8 | $4,201 | 5.500% | — | 21 | −$311 | |
| 9 | $4,234 | 5.000% | — | 13 | −$278 | |
| 10 | $4,288 | 6.375% | — | 13 | −$224 | |
| 11 | $4,363 | 5.250% | — | 8 | −$149 | |
| 12 | $4,454 | 5.812% | — | 22 | −$58 | |
| 13 | $4,538 | 6.375% | — | 2 | +$26 | |
| 14 | $5,201 | 5.500% | — | 10 | +$689 | |
| 15 | $5,335 | 6.625% | — | 3 | +$823 | |
| 16 | $5,376 | 6.125% | — | 18 | +$864 | |
| 17 | $5,517 | 5.500% | — | 4 | +$1,005 | |
| 18 | $5,841 | 5.250% | — | 6 | +$1,329 | |
| 19 | $6,608 | 5.500% | — | 11 | +$2,096 | |
| 20 | $10,120 | 6.188% | — | 2 | +$5,608 |
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 Community | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $375,000 | $335,000 | +$40,000 (+11.9%) |
| Median total closing costs | $4,512 | $7,127 | −$2,615 (−36.7%) |
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.