Purchase Originations
349
Median Total Costs
$6,575
−1.6% vs national ($6,680)
↑ $613 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,545
Median Lender Credits
$665
Denial Rate
9.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 278 | 6.500% | $5,827 | $1,771 |
| fha | 68 | 6.375% | $9,777 | $1,522 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 302 | 6.500% | $6,770 | #72 |
| New Jersey | 18 | 6.438% | $5,584 | — |
| Maryland | 14 | 6.562% | $5,951 | — |
| Delaware | 8 | 6.500% | $5,668 | — |
| Florida | 3 | 6.750% | $4,980 | — |
| Georgia | 1 | 5.875% | $8,142 | — |
| Illinois | 1 | 6.750% | $5,729 | — |
| Tennessee | 1 | 5.750% | $18,215 | — |
| Texas | 1 | 7.000% | $4,377 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,686 | 6.375% | — | 2 | −$1,889 | |
| 2 | $4,980 | 6.750% | — | 1 | −$1,595 | |
| 3 | $5,313 | 6.625% | — | 2 | −$1,262 | |
| 4 | $5,503 | 6.500% | — | 82 | −$1,072 | |
| 5 | $5,674 | 6.500% | — | 10 | −$901 | |
| 6 | $5,729 | 6.750% | — | 1 | −$846 | |
| 7 | $5,833 | 6.625% | — | 7 | −$742 | |
| 8 | $5,929 | 6.562% | — | 8 | −$646 | |
| 9 | $6,393 | 6.625% | — | 2 | −$182 | |
| 10 | $6,844 | 6.500% | — | 41 | +$269 | |
| 11 | $6,916 | 6.500% | — | 13 | +$341 | |
| 12 | $7,112 | 6.500% | — | 28 | +$537 | |
| 13 | $7,349 | 6.375% | — | 21 | +$774 | |
| 14 | $7,420 | 6.625% | — | 3 | +$845 | |
| 15 | $7,505 | 6.438% | — | 2 | +$930 | |
| 16 | $7,739 | 6.500% | — | 83 | +$1,164 | |
| 17 | $7,928 | 6.625% | — | 18 | +$1,353 | |
| 18 | $8,142 | 5.875% | — | 1 | +$1,567 | |
| 19 | $8,893 | 6.375% | — | 3 | +$2,318 | |
| 20 | $11,914 | 7.000% | — | 1 | +$5,339 |
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 | Firstrust Savings Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $275,000 | $335,000 | −$60,000 (−17.9%) |
| Median total closing costs | $6,575 | $7,127 | −$552 (−7.7%) |
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.