Purchase Originations
122
Median Total Costs
$3,420
−48.8% vs national ($6,680)
↓ $34 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,099
Median Lender Credits
$116
Denial Rate
2.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 82 | 6.495% | $3,258 | $1,099 |
| fha | 31 | 6.125% | $4,657 | $0 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,752 | 6.125% | — | 1 | −$668 | |
| 2 | $3,231 | 6.125% | — | 9 | −$189 | |
| 3 | $3,319 | 6.125% | — | 27 | −$101 | |
| 4 | $3,327 | 6.500% | — | 16 | −$93 | |
| 5 | $3,362 | 6.490% | — | 47 | −$58 | |
| 6 | $3,402 | 5.750% | — | 1 | −$18 | |
| 7 | $3,518 | 6.250% | — | 1 | +$98 | |
| 8 | $3,765 | 6.500% | — | 1 | +$345 | |
| 9 | $4,255 | 6.490% | — | 1 | +$835 | |
| 10 | $4,436 | 5.562% | — | 2 | +$1,016 | |
| 11 | $4,560 | 6.990% | — | 1 | +$1,140 | |
| 12 | $4,633 | 6.250% | — | 10 | +$1,213 | |
| 13 | $4,756 | 6.490% | — | 1 | +$1,336 | |
| 14 | $6,405 | 6.125% | — | 1 | +$2,985 | |
| 15 | $8,577 | 6.875% | — | 2 | +$5,157 | |
| 16 | $10,662 | 6.250% | — | 1 | +$7,242 |
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 Western Mortgage, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $285,000 | $335,000 | −$50,000 (−14.9%) |
| Median total closing costs | $3,420 | $7,127 | −$3,707 (−52.0%) |
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.