Purchase Originations
224
Median Total Costs
$9,538
+42.8% vs national ($6,680)
↑ $404 vs prior year
Median Rate
6.812%
+5.0% vs national (6.490%)
↓ 0.063% vs prior year
Median Origination
$2,790
Median Lender Credits
$2,000
Denial Rate
0.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 217 | 6.875% | $9,384 | $2,690 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 205 | 6.750% | $9,670 | #148 |
| New Jersey | 14 | 7.062% | $7,254 | — |
| Texas | 3 | 7.625% | $9,271 | — |
| Arizona | 1 | 6.875% | $5,699 | — |
| Georgia | 1 | 7.250% | $3,465 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,465 | 7.250% | — | 1 | −$6,073 | |
| 2 | $5,699 | 6.875% | — | 1 | −$3,839 | |
| 3 | $5,720 | 6.125% | — | 1 | −$3,818 | |
| 4 | $6,870 | 7.125% | — | 11 | −$2,668 | |
| 5 | $6,957 | 6.875% | — | 1 | −$2,581 | |
| 6 | $7,136 | 7.000% | — | 1 | −$2,402 | |
| 7 | $7,440 | 6.812% | — | 2 | −$2,098 | |
| 8 | $7,658 | 7.062% | — | 8 | −$1,880 | |
| 9 | $7,973 | 6.750% | — | 12 | −$1,565 | |
| 10 | $8,276 | 6.875% | — | 5 | −$1,262 | |
| 11 | $9,733 | 7.750% | — | 2 | +$195 | |
| 12 | $9,810 | 6.750% | — | 1 | +$272 | |
| 13 | $10,043 | 6.750% | — | 115 | +$505 | |
| 14 | $10,864 | 7.750% | — | 1 | +$1,326 | |
| 15 | $11,194 | 6.812% | — | 52 | +$1,656 | |
| 16 | $12,583 | 6.625% | — | 3 | +$3,045 | |
| 17 | $12,777 | 6.625% | — | 1 | +$3,239 | |
| 18 | $14,198 | 6.750% | — | 2 | +$4,660 | |
| 19 | $16,686 | 6.938% | — | 2 | +$7,148 | |
| 20 | $41,778 | 6.625% | — | 1 | +$32,240 |
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 Standard Financial Corp. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $620,000 | $335,000 | +$285,000 (+85.1%) |
| Median total closing costs | $9,538 | $7,127 | +$2,411 (+33.8%) |
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.