Purchase Originations
429
Median Total Costs
$3,467
−48.1% vs national ($6,680)
↑ $140 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,200
Median Lender Credits
$123
Denial Rate
4.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 318 | 6.375% | $3,183 | $1,200 |
| fha | 64 | 5.875% | $6,125 | $1,200 |
| usda | 35 | 5.875% | $3,315 | $0 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,221 | 6.125% | — | 3 | −$1,246 | |
| 2 | $2,454 | 6.562% | — | 14 | −$1,013 | |
| 3 | $2,496 | 5.875% | — | 21 | −$971 | |
| 4 | $2,503 | 6.125% | — | 17 | −$964 | |
| 5 | $2,747 | 6.250% | — | 29 | −$720 | |
| 6 | $2,880 | 6.500% | — | 22 | −$587 | |
| 7 | $2,978 | 5.875% | — | 22 | −$489 | |
| 8 | $3,065 | 6.438% | — | 26 | −$402 | |
| 9 | $3,249 | 6.500% | — | 31 | −$218 | |
| 10 | $3,277 | 6.500% | — | 8 | −$190 | |
| 11 | $3,382 | 6.062% | — | 6 | −$85 | |
| 12 | $3,395 | 6.000% | — | 4 | −$72 | |
| 13 | $3,431 | 6.500% | — | 3 | −$36 | |
| 14 | $3,457 | 6.250% | — | 40 | −$10 | |
| 15 | $3,539 | 6.312% | — | 4 | +$72 | |
| 16 | $3,827 | 5.875% | — | 13 | +$360 | |
| 17 | $4,300 | 5.875% | — | 57 | +$833 | |
| 18 | $4,408 | 6.000% | — | 90 | +$941 | |
| 19 | $7,376 | 6.375% | — | 3 | +$3,909 | |
| 20 | $9,259 | 7.865% | — | 2 | +$5,792 |
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 Security Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $235,000 | $335,000 | −$100,000 (−29.9%) |
| Median total closing costs | $3,467 | $7,127 | −$3,660 (−51.4%) |
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.