Purchase Originations
631
Ranked #547 nationally
Median Total Costs
$3,355
−49.8% vs national ($6,680)
↑ $196 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$1,376
Median Lender Credits
$65
Cost Rank (500+ vol.)
#61
among lenders with 500+ originations
Denial Rate
14.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 548 | 6.375% | $3,165 | $1,376 |
| fha | 55 | 6.375% | $7,321 | $1,295 |
| usda | 28 | 6.188% | $5,323 | $1,295 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,056 | 6.438% | — | 12 | −$1,299 | |
| 2 | $2,256 | 6.300% | — | 15 | −$1,099 | |
| 3 | $2,349 | 6.300% | — | 24 | −$1,006 | |
| 4 | $2,383 | 6.500% | — | 8 | −$972 | |
| 5 | $2,552 | 6.300% | — | 14 | −$803 | |
| 6 | $2,723 | 6.300% | — | 22 | −$632 | |
| 7 | $2,763 | 6.500% | — | 29 | −$592 | |
| 8 | $2,790 | 6.250% | — | 8 | −$565 | |
| 9 | $2,872 | 6.438% | — | 14 | −$483 | |
| 10 | $2,992 | 6.375% | — | 15 | −$363 | |
| 11 | $3,056 | 6.338% | — | 28 | −$299 | |
| 12 | $3,073 | 6.562% | — | 8 | −$282 | |
| 13 | $3,301 | 6.338% | — | 12 | −$54 | |
| 14 | $3,313 | 6.375% | — | 73 | −$42 | |
| 15 | $3,384 | 6.375% | — | 37 | +$29 | |
| 16 | $3,688 | 6.375% | — | 72 | +$333 | |
| 17 | $3,712 | 6.375% | — | 109 | +$357 | |
| 18 | $4,162 | 6.300% | — | 35 | +$807 | |
| 19 | $4,211 | 6.338% | — | 16 | +$856 | |
| 20 | $4,323 | 6.500% | — | 9 | +$968 |
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 State Community Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $205,000 | $335,000 | −$130,000 (−38.8%) |
| Median total closing costs | $3,355 | $7,127 | −$3,772 (−52.9%) |
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.