Purchase Originations
3,817
Ranked #129 nationally
Median Total Costs
$7,159
+7.2% vs national ($6,680)
↓ $11 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,798
Median Lender Credits
$500
Cost Rank (500+ vol.)
#380
among lenders with 500+ originations
Denial Rate
3.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,339 | 6.625% | $6,118 | $1,625 |
| fha | 960 | 6.375% | $9,315 | $2,001 |
| va | 492 | 6.250% | $7,673 | $1,681 |
| usda | 26 | 6.438% | $6,195 | $1,517 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Oklahoma | 2,251 | 6.500% | $6,629 | #1 |
| Texas | 1,506 | 6.625% | $7,895 | #42 |
| Florida | 8 | 6.750% | $7,717 | — |
| Arkansas | 5 | 6.750% | $5,575 | — |
| California | 5 | 6.875% | $8,381 | — |
| Colorado | 5 | 5.875% | $3,786 | — |
| Arizona | 3 | 6.875% | $5,579 | — |
| Kansas | 3 | 6.750% | $5,068 | — |
| Alabama | 2 | 6.750% | $6,352 | — |
| Illinois | 2 | 6.750% | $8,521 | — |
| Kentucky | 2 | 6.500% | $9,861 | — |
| Minnesota | 2 | 5.812% | $12,763 | — |
| Missouri | 2 | 6.625% | $8,686 | — |
| Mississippi | 2 | 6.500% | $5,353 | — |
| New Mexico | 2 | 6.750% | $4,453 | — |
| Tennessee | 2 | 6.500% | $4,301 | — |
| Utah | 2 | 6.312% | $7,374 | — |
| Washington | 2 | 6.062% | $14,834 | — |
| Georgia | 1 | 7.625% | $6,751 | — |
| Idaho | 1 | 7.250% | $6,406 | — |
| Indiana | 1 | 6.750% | $3,815 | — |
| Louisiana | 1 | 6.125% | $12,821 | — |
| Massachusetts | 1 | 6.875% | $9,557 | — |
| Michigan | 1 | 6.625% | $6,322 | — |
| North Carolina | 1 | 6.375% | $14,898 | — |
| Ohio | 1 | 5.875% | $7,619 | — |
| Pennsylvania | 1 | 6.000% | $7,400 | — |
| South Carolina | 1 | 6.250% | $7,426 | — |
| Virginia | 1 | 5.875% | $24,746 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,137 | 6.625% | — | 141 | −$2,022 | |
| 2 | $5,232 | 6.750% | — | 61 | −$1,927 | |
| 3 | $5,591 | 6.625% | — | 266 | −$1,568 | |
| 4 | $6,217 | 6.750% | — | 57 | −$942 | |
| 5 | $6,650 | 6.250% | — | 178 | −$509 | |
| 6 | $6,761 | 6.500% | — | 76 | −$398 | |
| 7 | $6,882 | 6.500% | — | 59 | −$277 | |
| 8 | $6,900 | 6.500% | — | 346 | −$259 | |
| 9 | $7,104 | 6.438% | — | 78 | −$55 | |
| 10 | $7,148 | 6.625% | — | 139 | −$11 | |
| 11 | $7,166 | 6.625% | — | 194 | +$7 | |
| 12 | $7,255 | 6.500% | — | 86 | +$96 | |
| 13 | $7,537 | 6.375% | — | 66 | +$378 | |
| 14 | $7,772 | 6.625% | — | 82 | +$613 | |
| 15 | $7,791 | 6.625% | — | 133 | +$632 | |
| 16 | $8,091 | 6.625% | — | 111 | +$932 | |
| 17 | $8,169 | 6.375% | — | 60 | +$1,010 | |
| 18 | $8,359 | 6.625% | — | 132 | +$1,200 | |
| 19 | $8,452 | 6.625% | — | 234 | +$1,293 | |
| 20 | $8,477 | 6.125% | — | 442 | +$1,318 |
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 and Trust Company | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $7,159 | $7,127 | +$32 (+0.4%) |
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.