Purchase Originations
249
Median Total Costs
$2,415
−63.9% vs national ($6,680)
↑ $37 vs prior year
Median Rate
6.875%
+5.9% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$850
Median Lender Credits
$300
Denial Rate
13.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 249 | 6.875% | $2,415 | $850 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,726 | 7.750% | — | 3 | −$689 | |
| 2 | $2,131 | 6.625% | — | 10 | −$284 | |
| 3 | $2,237 | 6.875% | — | 3 | −$178 | |
| 4 | $2,251 | 7.000% | — | 6 | −$164 | |
| 5 | $2,271 | 7.625% | — | 3 | −$144 | |
| 6 | $2,298 | 7.000% | — | 59 | −$117 | |
| 7 | $2,350 | 6.625% | — | 8 | −$65 | |
| 8 | $2,354 | 6.875% | — | 16 | −$61 | |
| 9 | $2,362 | 7.062% | — | 18 | −$53 | |
| 10 | $2,437 | 6.750% | — | 14 | +$22 | |
| 11 | $2,439 | 7.000% | — | 11 | +$24 | |
| 12 | $2,476 | 6.125% | — | 4 | +$61 | |
| 13 | $2,550 | 6.875% | — | 22 | +$135 | |
| 14 | $2,580 | 6.875% | — | 6 | +$165 | |
| 15 | $2,597 | 6.812% | — | 14 | +$182 | |
| 16 | $2,643 | 6.875% | — | 3 | +$228 | |
| 17 | $2,810 | 6.875% | — | 2 | +$395 | |
| 18 | $2,847 | 6.875% | — | 8 | +$432 | |
| 19 | $3,117 | 7.625% | — | 3 | +$702 | |
| 20 | $3,161 | 7.188% | — | 4 | +$746 |
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 Farmers Bank & Trust Co. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $195,000 | $335,000 | −$140,000 (−41.8%) |
| Median total closing costs | $2,415 | $7,127 | −$4,712 (−66.1%) |
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.