Purchase Originations
7,975
Ranked #52 nationally
Median Total Costs
$7,243
+8.4% vs national ($6,680)
↑ $62 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$2,899
Median Lender Credits
$336
Cost Rank (500+ vol.)
#389
among lenders with 500+ originations
Denial Rate
5.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 4,286 | 6.625% | $5,565 | $2,854 |
| fha | 2,417 | 6.375% | $10,732 | $3,521 |
| va | 775 | 6.250% | $8,069 | $2,100 |
| usda | 497 | 6.250% | $6,630 | $2,118 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Tennessee | 1,863 | 6.250% | $8,757 | #8 |
| Ohio | 922 | 6.750% | $6,591 | #29 |
| Michigan | 586 | 6.625% | $5,382 | #30 |
| Florida | 441 | 6.500% | $8,965 | #101 |
| Virginia | 436 | 6.490% | $8,806 | #46 |
| Alabama | 401 | 6.375% | $6,803 | #33 |
| Georgia | 369 | 6.500% | $8,969 | #64 |
| Pennsylvania | 330 | 6.625% | $6,043 | #65 |
| Kentucky | 329 | 6.500% | $6,277 | #29 |
| Indiana | 300 | 6.875% | $5,912 | #55 |
| North Carolina | 292 | 6.500% | $7,959 | #81 |
| Mississippi | 186 | 6.375% | $6,159 | #28 |
| Arkansas | 181 | 6.250% | $5,926 | #40 |
| Louisiana | 163 | 6.375% | $5,843 | #45 |
| Massachusetts | 156 | 6.625% | $7,921 | #62 |
| Texas | 151 | 6.625% | $9,446 | #233 |
| Iowa | 142 | 6.500% | $3,619 | #49 |
| Maryland | 123 | 6.490% | $7,527 | #86 |
| Illinois | 98 | 6.875% | $7,327 | #152 |
| California | 91 | 6.125% | $11,561 | #214 |
| South Carolina | 76 | 6.562% | $9,000 | #136 |
| Missouri | 45 | 6.750% | $4,473 | — |
| Delaware | 38 | 6.433% | $11,361 | — |
| Colorado | 37 | 6.625% | $4,642 | — |
| Nebraska | 31 | 6.750% | $5,754 | — |
| New Hampshire | 28 | 6.495% | $7,647 | — |
| Wisconsin | 24 | 6.625% | $4,686 | — |
| Arizona | 17 | 6.500% | $7,951 | — |
| New Jersey | 17 | 6.490% | $11,617 | — |
| Rhode Island | 17 | 6.750% | $8,773 | — |
| Connecticut | 12 | 6.933% | $11,012 | — |
| Idaho | 12 | 6.188% | $9,144 | — |
| Oklahoma | 10 | 6.250% | $6,306 | — |
| Kansas | 9 | 6.625% | $9,189 | — |
| Oregon | 8 | 6.375% | $12,572 | — |
| District of Columbia | 6 | 6.558% | $6,663 | — |
| Maine | 6 | 6.125% | $7,897 | — |
| New Mexico | 5 | 6.490% | $10,135 | — |
| West Virginia | 4 | 6.808% | $6,004 | — |
| Minnesota | 3 | 6.625% | $6,701 | — |
| North Dakota | 2 | 6.812% | $4,604 | — |
| Nevada | 2 | 6.245% | $14,320 | — |
| South Dakota | 2 | 6.490% | $5,680 | — |
| Washington | 2 | 7.312% | $9,930 | — |
| Montana | 1 | 6.990% | $6,075 | — |
| Vermont | 1 | 6.875% | $15,646 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,147 | 6.625% | — | 70 | −$4,096 | |
| 2 | $5,068 | 6.625% | — | 90 | −$2,175 | |
| 3 | $5,612 | 6.875% | — | 75 | −$1,631 | |
| 4 | $6,060 | 6.625% | — | 184 | −$1,183 | |
| 5 | $6,227 | 6.875% | — | 214 | −$1,016 | |
| 6 | $6,247 | 6.875% | — | 72 | −$996 | |
| 7 | $6,434 | 6.312% | — | 88 | −$809 | |
| 8 | $6,567 | 6.625% | — | 118 | −$676 | |
| 9 | $6,767 | 6.750% | — | 75 | −$476 | |
| 10 | $7,437 | 6.625% | — | 98 | +$194 | |
| 11 | $7,860 | 6.250% | — | 104 | +$617 | |
| 12 | $8,502 | 6.375% | — | 65 | +$1,259 | |
| 13 | $8,699 | 6.500% | — | 74 | +$1,456 | |
| 14 | $8,862 | 6.490% | — | 68 | +$1,619 | |
| 15 | $9,208 | 6.625% | — | 101 | +$1,965 | |
| 16 | $10,243 | 6.250% | — | 69 | +$3,000 | |
| 17 | $10,803 | 6.250% | — | 59 | +$3,560 | |
| 18 | $11,836 | 6.500% | — | 61 | +$4,593 | |
| 19 | $12,853 | 5.990% | — | 89 | +$5,610 | |
| 20 | $14,161 | 6.250% | — | 256 | +$6,918 |
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 Mortgage, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $265,000 | $335,000 | −$70,000 (−20.9%) |
| Median total closing costs | $7,243 | $7,127 | +$116 (+1.6%) |
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.