Purchase Originations
786
Ranked #462 nationally
Median Total Costs
$5,971
−10.6% vs national ($6,680)
↑ $94 vs prior year
Median Rate
6.312%
−2.7% vs national (6.490%)
↓ 0.188% vs prior year
Median Origination
$2,915
Median Lender Credits
$86
Cost Rank (500+ vol.)
#275
among lenders with 500+ originations
Denial Rate
2.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 414 | 6.625% | $4,519 | $2,730 |
| fha | 289 | 6.000% | $8,288 | $3,126 |
| va | 43 | 6.125% | $5,540 | $2,550 |
| usda | 40 | 6.000% | $5,963 | $2,699 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,922 | 6.625% | — | 13 | −$2,049 | |
| 2 | $4,998 | 6.375% | — | 15 | −$973 | |
| 3 | $5,399 | 6.500% | — | 10 | −$572 | |
| 4 | $5,438 | 6.375% | — | 32 | −$533 | |
| 5 | $5,500 | 6.490% | — | 30 | −$471 | |
| 6 | $5,513 | 6.250% | — | 154 | −$458 | |
| 7 | $5,679 | 6.490% | — | 124 | −$292 | |
| 8 | $5,746 | 6.500% | — | 17 | −$225 | |
| 9 | $5,935 | 6.058% | — | 8 | −$36 | |
| 10 | $6,213 | 6.490% | — | 7 | +$242 | |
| 11 | $6,353 | 6.375% | — | 55 | +$382 | |
| 12 | $6,500 | 6.250% | — | 59 | +$529 | |
| 13 | $6,823 | 6.125% | — | 18 | +$852 | |
| 14 | $7,073 | 6.125% | — | 32 | +$1,102 | |
| 15 | $7,221 | 6.125% | — | 69 | +$1,250 | |
| 16 | $7,318 | 6.490% | — | 11 | +$1,347 | |
| 17 | $7,337 | 6.375% | — | 17 | +$1,366 | |
| 18 | $7,495 | 6.188% | — | 18 | +$1,524 | |
| 19 | $8,590 | 6.625% | — | 9 | +$2,619 | |
| 20 | $9,932 | 6.125% | — | 6 | +$3,961 |
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 Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $195,000 | $335,000 | −$140,000 (−41.8%) |
| Median total closing costs | $5,971 | $7,127 | −$1,156 (−16.2%) |
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.