Purchase Originations
105
Median Total Costs
$2,679
−59.9% vs national ($6,680)
↑ $216 vs prior year
Median Rate
6.875%
+5.9% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$695
Median Lender Credits
$34
Denial Rate
14.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 105 | 6.875% | $2,679 | $695 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,522 | 6.875% | — | 32 | −$157 | |
| 2 | $2,597 | 6.500% | — | 15 | −$82 | |
| 3 | $2,714 | 6.875% | — | 8 | +$35 | |
| 4 | $2,767 | 6.875% | — | 24 | +$88 | |
| 5 | $2,886 | 6.875% | — | 4 | +$207 | |
| 6 | $3,114 | 6.875% | — | 9 | +$435 | |
| 7 | $3,521 | 6.250% | — | 2 | +$842 | |
| 8 | $3,593 | 6.875% | — | 8 | +$914 | |
| 9 | $3,889 | 6.875% | — | 1 | +$1,210 | |
| 10 | $4,437 | 7.125% | — | 1 | +$1,758 | |
| 11 | $6,517 | 6.875% | — | 1 | +$3,838 |
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 Savings Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $255,000 | $335,000 | −$80,000 (−23.9%) |
| Median total closing costs | $2,679 | $7,127 | −$4,448 (−62.4%) |
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.