Purchase Originations
3,782
Ranked #134 nationally
Median Total Costs
$9,861
+47.6% vs national ($6,680)
↑ $313 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$5,235
Median Lender Credits
$300
Cost Rank (500+ vol.)
#537
among lenders with 500+ originations
Denial Rate
2.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,632 | 6.625% | $8,961 | $5,703 |
| fha | 598 | 6.625% | $14,600 | $4,709 |
| va | 511 | 6.250% | $10,006 | $2,324 |
| usda | 41 | 6.250% | $11,654 | $5,269 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Maryland | 2,492 | 6.625% | $9,922 | #3 |
| Virginia | 353 | 6.625% | $10,048 | #55 |
| District of Columbia | 245 | 6.625% | $10,449 | #2 |
| North Carolina | 242 | 6.490% | $7,933 | #96 |
| Pennsylvania | 102 | 6.750% | $10,351 | #160 |
| South Carolina | 97 | 6.750% | $6,241 | #121 |
| Massachusetts | 94 | 6.625% | $12,606 | #92 |
| Florida | 46 | 6.500% | $10,647 | — |
| Rhode Island | 40 | 6.688% | $12,544 | — |
| Delaware | 38 | 6.750% | $10,562 | — |
| West Virginia | 16 | 6.812% | $8,425 | — |
| Tennessee | 7 | 6.625% | $7,636 | — |
| Georgia | 3 | 6.500% | $13,434 | — |
| Connecticut | 2 | 7.000% | $15,516 | — |
| New Jersey | 2 | 6.625% | $12,491 | — |
| Ohio | 2 | 6.688% | $9,561 | — |
| New Hampshire | 1 | 5.375% | $36,324 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,418 | 6.750% | — | 55 | −$3,443 | |
| 2 | $7,628 | 6.750% | — | 40 | −$2,233 | |
| 3 | $7,651 | 6.490% | — | 75 | −$2,210 | |
| 4 | $7,872 | 6.375% | — | 48 | −$1,989 | |
| 5 | $9,227 | 6.625% | — | 320 | −$634 | |
| 6 | $9,243 | 6.625% | — | 136 | −$618 | |
| 7 | $9,470 | 6.750% | — | 63 | −$391 | |
| 8 | $9,494 | 6.750% | — | 63 | −$367 | |
| 9 | $9,502 | 6.500% | — | 230 | −$359 | |
| 10 | $9,591 | 6.625% | — | 136 | −$270 | |
| 11 | $9,715 | 6.750% | — | 298 | −$146 | |
| 12 | $10,325 | 6.490% | — | 213 | +$464 | |
| 13 | $10,449 | 6.625% | — | 245 | +$588 | |
| 14 | $10,563 | 6.625% | — | 404 | +$702 | |
| 15 | $10,613 | 6.375% | — | 66 | +$752 | |
| 16 | $10,884 | 6.625% | — | 103 | +$1,023 | |
| 17 | $11,022 | 6.750% | — | 56 | +$1,161 | |
| 18 | $11,163 | 6.500% | — | 77 | +$1,302 | |
| 19 | $11,414 | 6.490% | — | 179 | +$1,553 | |
| 20 | $12,456 | 6.490% | — | 121 | +$2,595 |
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 Home Mortgage Corporation | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $405,000 | $335,000 | +$70,000 (+20.9%) |
| Median total closing costs | $9,861 | $7,127 | +$2,734 (+38.4%) |
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.