Purchase Originations
123
Median Total Costs
$7,149
+7.0% vs national ($6,680)
↓ $458 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.115% vs prior year
Median Origination
$1,615
Median Lender Credits
$278
Denial Rate
9.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 65 | 6.625% | $5,653 | $1,590 |
| usda | 22 | 5.990% | $8,374 | $1,615 |
| fha | 20 | 6.062% | $11,223 | $1,590 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 120 | 6.375% | $7,288 | #181 |
| Arizona | 2 | 6.500% | $5,356 | — |
| Colorado | 1 | 6.625% | $3,723 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,723 | 6.625% | — | 1 | −$3,426 | |
| 2 | $4,813 | 6.625% | — | 1 | −$2,336 | |
| 3 | $5,900 | 6.375% | — | 1 | −$1,249 | |
| 4 | $6,253 | 6.375% | — | 95 | −$896 | |
| 5 | $7,072 | 6.625% | — | 1 | −$77 | |
| 6 | $8,584 | 6.312% | — | 12 | +$1,435 | |
| 7 | $8,826 | 6.500% | — | 1 | +$1,677 | |
| 8 | $10,222 | 6.500% | — | 10 | +$3,073 | |
| 9 | $11,408 | 6.500% | — | 1 | +$4,259 |
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 Nations Home Finance Corporation | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $325,000 | $335,000 | −$10,000 (−3.0%) |
| Median total closing costs | $7,149 | $7,127 | +$22 (+0.3%) |
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.