First United Bank and Trust Company closing costs and rates (2024)
In 2024, First United Bank and Trust Company originated 4,421 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $7,170. That ranks #104 nationally by origination volume. For total closing costs among lenders with 500+ originations, First United Bank and Trust Company ranks #380. That is $429 above the national median of $6,741. First United Bank and Trust Company is most active in Oklahoma with 2,335 originations there.
Purchase Originations
4,421
Ranked #104 nationally
Median Total Costs
$7,170
+6.4% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$2,045
Median Lender Credits
$572
Cost Rank (500+ vol.)
#380
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,904 | 6.875% | $6,247 | $1,902 |
| fha | 969 | 6.625% | $9,796 | $2,276 |
| va | 509 | 6.375% | $8,242 | $2,225 |
| usda | 39 | 6.375% | $6,368 | $1,678 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Oklahoma | 2,335 | 6.625% | $6,484 | #1 |
| Texas | 1,998 | 6.875% | $7,933 | #30 |
| Arkansas | 11 | 7.000% | $5,556 | — |
| Colorado | 11 | 6.625% | $4,681 | — |
| Florida | 7 | 6.625% | $8,274 | — |
| Kansas | 6 | 6.500% | $4,665 | — |
| Georgia | 4 | 6.500% | $6,363 | — |
| Missouri | 4 | 6.625% | $5,290 | — |
| North Carolina | 4 | 6.938% | $5,788 | — |
| Alabama | 3 | 6.625% | $5,004 | — |
| California | 3 | 7.000% | $7,125 | — |
| Connecticut | 3 | 6.625% | $5,508 | — |
| Illinois | 3 | 7.375% | $4,076 | — |
| Nevada | 3 | 6.500% | $14,516 | — |
| South Carolina | 3 | 7.125% | $5,093 | — |
| Utah | 3 | 6.875% | $5,667 | — |
| Arizona | 2 | 7.188% | $7,428 | — |
| Maine | 2 | 6.625% | $6,272 | — |
| Nebraska | 2 | 7.312% | $4,198 | — |
| Oregon | 2 | 6.625% | $5,515 | — |
| Tennessee | 2 | 7.625% | $4,653 | — |
| Kentucky | 1 | 6.625% | $5,107 | — |
| Massachusetts | 1 | 6.125% | $6,474 | — |
| Mississippi | 1 | 7.000% | $4,567 | — |
| New Jersey | 1 | 7.000% | $6,761 | — |
| New Mexico | 1 | 6.625% | $5,726 | — |
| Ohio | 1 | 6.625% | $8,257 | — |
| Pennsylvania | 1 | 6.125% | $11,248 | — |
| South Dakota | 1 | 6.375% | $4,057 | — |
| Washington | 1 | 7.000% | $3,852 | — |
| Wisconsin | 1 | 7.375% | $3,803 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,689 | 7.000% | — | 126 | −$2,481 | |
| 2 | $5,651 | 6.875% | — | 310 | −$1,519 | |
| 3 | $5,933 | 6.875% | — | 103 | −$1,237 | |
| 4 | $5,962 | 7.000% | — | 96 | −$1,208 | |
| 5 | $6,146 | 6.750% | — | 87 | −$1,024 | |
| 6 | $6,248 | 6.625% | — | 140 | −$922 | |
| 7 | $6,318 | 6.875% | — | 397 | −$852 | |
| 8 | $7,045 | 6.500% | — | 164 | −$125 | |
| 9 | $7,137 | 6.625% | — | 140 | −$33 | |
| 10 | $7,269 | 6.875% | — | 102 | +$99 | |
| 11 | $7,341 | 6.875% | — | 66 | +$171 | |
| 12 | $7,618 | 6.625% | — | 142 | +$448 | |
| 13 | $7,688 | 6.625% | — | 42 | +$518 | |
| 14 | $8,014 | 6.625% | — | 249 | +$844 | |
| 15 | $8,039 | 6.875% | — | 324 | +$869 | |
| 16 | $8,163 | 7.000% | — | 139 | +$993 | |
| 17 | $8,302 | 6.625% | — | 59 | +$1,132 | |
| 18 | $8,926 | 6.125% | — | 462 | +$1,756 | |
| 19 | $8,962 | 6.875% | — | 170 | +$1,792 | |
| 20 | $9,200 | 6.875% | — | 92 | +$2,030 |
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.