Purchase Originations
1,316
Ranked #308 nationally
Median Total Costs
$7,239
+8.4% vs national ($6,680)
↑ $206 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,590
Median Lender Credits
$1,500
Cost Rank (500+ vol.)
#388
among lenders with 500+ originations
Denial Rate
0.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,110 | 6.500% | $6,896 | $1,590 |
| va | 144 | 6.125% | $13,234 | $1,590 |
| fha | 59 | 6.250% | $15,089 | $1,590 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Virginia | 568 | 6.375% | $7,371 | #37 |
| District of Columbia | 371 | 6.500% | $7,569 | #1 |
| Maryland | 347 | 6.500% | $6,926 | #40 |
| Florida | 16 | 6.750% | $7,829 | — |
| North Carolina | 8 | 6.062% | $5,193 | — |
| Delaware | 4 | 6.562% | $6,899 | — |
| South Carolina | 2 | 6.375% | $6,896 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,871 | 6.500% | — | 5 | −$2,368 | |
| 2 | $5,358 | 6.250% | — | 37 | −$1,881 | |
| 3 | $5,454 | 6.312% | — | 8 | −$1,785 | |
| 4 | $6,065 | 6.625% | — | 37 | −$1,174 | |
| 5 | $6,129 | 6.500% | — | 6 | −$1,110 | |
| 6 | $6,870 | 6.375% | — | 88 | −$369 | |
| 7 | $6,966 | 6.500% | — | 214 | −$273 | |
| 8 | $7,095 | 6.625% | — | 39 | −$144 | |
| 9 | $7,296 | 6.500% | — | 7 | +$57 | |
| 10 | $7,316 | 6.375% | — | 15 | +$77 | |
| 11 | $7,569 | 6.500% | — | 371 | +$330 | |
| 12 | $7,608 | 6.688% | — | 8 | +$369 | |
| 13 | $7,747 | 6.375% | — | 233 | +$508 | |
| 14 | $8,227 | 6.375% | — | 15 | +$988 | |
| 15 | $8,247 | 6.875% | — | 4 | +$1,008 | |
| 16 | $8,455 | 6.125% | — | 59 | +$1,216 | |
| 17 | $8,679 | 6.250% | — | 46 | +$1,440 | |
| 18 | $9,210 | 6.500% | — | 6 | +$1,971 | |
| 19 | $10,294 | 6.125% | — | 19 | +$3,055 | |
| 20 | $11,996 | 6.625% | — | 9 | +$4,757 |
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 Mortgage Corporation | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $595,000 | $335,000 | +$260,000 (+77.6%) |
| Median total closing costs | $7,239 | $7,127 | +$112 (+1.6%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
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.