FIRST STATE MORTGAGE SERVICES, LLC closing costs and rates (2024)
In 2024, FIRST STATE MORTGAGE SERVICES, LLC originated 1,136 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $3,582. That ranks #340 nationally by origination volume. For total closing costs among lenders with 500+ originations, FIRST STATE MORTGAGE SERVICES, LLC ranks #80. That is $3,159 below the national median of $6,741. FIRST STATE MORTGAGE SERVICES, LLC is most active in Illinois with 980 originations there.
Purchase Originations
1,136
Ranked #340 nationally
Median Total Costs
$3,582
−46.9% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$1,320
Median Lender Credits
$310
Cost Rank (500+ vol.)
#80
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 882 | 6.750% | $3,341 | $1,419 |
| fha | 127 | 6.625% | $6,480 | $1,408 |
| usda | 64 | 6.625% | $3,832 | $975 |
| va | 63 | 6.500% | $4,919 | $1,045 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Illinois | 980 | 6.625% | $3,635 | #21 |
| Wisconsin | 87 | 6.750% | $2,784 | #106 |
| Tennessee | 11 | 6.875% | $4,571 | — |
| Nebraska | 9 | 6.625% | $4,068 | — |
| Indiana | 8 | 6.750% | $2,592 | — |
| Florida | 7 | 6.875% | $5,446 | — |
| Missouri | 7 | 6.625% | $3,446 | — |
| North Carolina | 6 | 6.688% | $3,905 | — |
| Alabama | 3 | 6.750% | $3,657 | — |
| Michigan | 3 | 6.875% | $4,196 | — |
| Georgia | 2 | 7.062% | $4,724 | — |
| Minnesota | 2 | 6.875% | $3,792 | — |
| South Carolina | 2 | 6.500% | $4,253 | — |
| Arizona | 1 | 6.625% | $4,868 | — |
| Colorado | 1 | 6.000% | $2,891 | — |
| Iowa | 1 | 6.990% | $3,089 | — |
| Kansas | 1 | 6.875% | $2,741 | — |
| Kentucky | 1 | 6.625% | $12,161 | — |
| Louisiana | 1 | 7.000% | $8,249 | — |
| Ohio | 1 | 7.625% | $4,099 | — |
| Texas | 1 | 5.875% | $10,731 | — |
| Utah | 1 | 8.000% | $4,486 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,589 | 6.625% | — | 12 | −$993 | |
| 2 | $2,764 | 6.990% | — | 22 | −$818 | |
| 3 | $2,814 | 6.812% | — | 32 | −$768 | |
| 4 | $2,938 | 6.625% | — | 21 | −$644 | |
| 5 | $3,011 | 6.375% | — | 10 | −$571 | |
| 6 | $3,197 | 6.750% | — | 23 | −$385 | |
| 7 | $3,332 | 6.750% | — | 61 | −$250 | |
| 8 | $3,452 | 6.625% | — | 545 | −$130 | |
| 9 | $3,659 | 6.625% | — | 43 | +$77 | |
| 10 | $3,660 | 6.750% | — | 19 | +$78 | |
| 11 | $3,732 | 6.625% | — | 14 | +$150 | |
| 12 | $3,737 | 6.812% | — | 18 | +$155 | |
| 13 | $3,788 | 6.500% | — | 22 | +$206 | |
| 14 | $3,983 | 6.250% | — | 14 | +$401 | |
| 15 | $4,506 | 6.625% | — | 7 | +$924 | |
| 16 | $4,628 | 6.750% | — | 19 | +$1,046 | |
| 17 | $5,637 | 6.625% | — | 14 | +$2,055 | |
| 18 | $5,856 | 6.875% | — | 33 | +$2,274 | |
| 19 | $6,140 | 6.750% | — | 13 | +$2,558 | |
| 20 | $6,510 | 7.058% | — | 8 | +$2,928 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.