Purchase Originations
176
Median Total Costs
$5,072
−24.1% vs national ($6,680)
↑ $94 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.625% vs prior year
Median Origination
$696
Median Lender Credits
$100
Denial Rate
7.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 168 | 6.625% | $4,927 | $979 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Maine | 176 | 6.625% | $5,072 | #17 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,632 | 6.625% | — | 13 | −$1,440 | |
| 2 | $3,720 | 6.938% | — | 4 | −$1,352 | |
| 3 | $4,691 | 6.625% | — | 40 | −$381 | |
| 4 | $5,110 | 6.500% | — | 2 | +$38 | |
| 5 | $5,184 | 7.125% | — | 2 | +$112 | |
| 6 | $5,380 | 6.625% | — | 13 | +$308 | |
| 7 | $5,391 | 7.625% | — | 1 | +$319 | |
| 8 | $5,662 | 6.625% | — | 10 | +$590 | |
| 9 | $5,783 | 6.625% | — | 30 | +$711 | |
| 10 | $5,903 | 6.750% | — | 18 | +$831 | |
| 11 | $6,030 | 6.625% | — | 42 | +$958 | |
| 12 | $8,264 | 6.625% | — | 1 | +$3,192 |
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 National Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $265,000 | $335,000 | −$70,000 (−20.9%) |
| Median total closing costs | $5,072 | $7,127 | −$2,055 (−28.8%) |
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.