Purchase Originations
171
Median Total Costs
$2,818
−57.8% vs national ($6,680)
↑ $44 vs prior year
Median Rate
6.490%
+0.0% vs national (6.490%)
↓ 0.130% vs prior year
Median Origination
$985
Median Lender Credits
$91
Denial Rate
5.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 139 | 6.500% | $2,725 | $985 |
| fha | 25 | 6.250% | $7,048 | $985 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,231 | 6.808% | — | 2 | −$587 | |
| 2 | $2,586 | 6.625% | — | 19 | −$232 | |
| 3 | $2,636 | 6.375% | — | 11 | −$182 | |
| 4 | $2,651 | 6.375% | — | 49 | −$167 | |
| 5 | $2,729 | 6.500% | — | 1 | −$89 | |
| 6 | $2,788 | 6.500% | — | 22 | −$30 | |
| 7 | $2,892 | 6.490% | — | 17 | +$74 | |
| 8 | $3,162 | 6.375% | — | 1 | +$344 | |
| 9 | $3,326 | 6.495% | — | 6 | +$508 | |
| 10 | $3,341 | 10.990% | — | 1 | +$523 | |
| 11 | $3,460 | 6.250% | — | 24 | +$642 | |
| 12 | $3,507 | 6.562% | — | 2 | +$689 | |
| 13 | $3,526 | 6.375% | — | 5 | +$708 | |
| 14 | $3,952 | 5.875% | — | 1 | +$1,134 | |
| 15 | $3,959 | 6.750% | — | 6 | +$1,141 | |
| 16 | $4,210 | 5.990% | — | 3 | +$1,392 | |
| 17 | $4,314 | 6.000% | — | 1 | +$1,496 |
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 Harrison Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $225,000 | $335,000 | −$110,000 (−32.8%) |
| Median total closing costs | $2,818 | $7,127 | −$4,309 (−60.5%) |
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.