Purchase Originations
232
Median Total Costs
$6,282
−6.0% vs national ($6,680)
↑ $432 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$1,732
Median Lender Credits
$1,000
Denial Rate
2.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 135 | 6.250% | $5,289 | $1,625 |
| fha | 76 | 6.125% | $10,400 | $2,064 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 228 | 6.125% | $6,365 | #187 |
| Arkansas | 1 | 5.990% | $6,160 | — |
| Mississippi | 1 | 5.990% | $4,301 | — |
| New Mexico | 1 | 5.875% | $11,190 | — |
| Ohio | 1 | 5.875% | $4,998 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,670 | 6.250% | — | 3 | −$2,612 | |
| 2 | $4,549 | 5.990% | — | 7 | −$1,733 | |
| 3 | $5,172 | 6.188% | — | 8 | −$1,110 | |
| 4 | $5,344 | 6.125% | — | 3 | −$938 | |
| 5 | $5,465 | 6.250% | — | 5 | −$817 | |
| 6 | $5,607 | 6.370% | — | 2 | −$675 | |
| 7 | $5,658 | 6.125% | — | 5 | −$624 | |
| 8 | $5,660 | 5.990% | — | 2 | −$622 | |
| 9 | $6,056 | 5.812% | — | 2 | −$226 | |
| 10 | $6,083 | 5.875% | — | 5 | −$199 | |
| 11 | $6,152 | 6.438% | — | 2 | −$130 | |
| 12 | $6,153 | 6.375% | — | 3 | −$129 | |
| 13 | $6,246 | 6.058% | — | 20 | −$36 | |
| 14 | $6,533 | 6.562% | — | 8 | +$251 | |
| 15 | $6,547 | 6.433% | — | 2 | +$265 | |
| 16 | $6,626 | 6.375% | — | 3 | +$344 | |
| 17 | $7,084 | 6.250% | — | 52 | +$802 | |
| 18 | $7,404 | 6.125% | — | 82 | +$1,122 | |
| 19 | $9,502 | 6.375% | — | 2 | +$3,220 | |
| 20 | $10,231 | 5.875% | — | 2 | +$3,949 |
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 United Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $235,000 | $335,000 | −$100,000 (−29.9%) |
| Median total closing costs | $6,282 | $7,127 | −$845 (−11.9%) |
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.