Purchase Originations
2,620
Ranked #175 nationally
Median Total Costs
$5,721
−14.4% vs national ($6,680)
Median Rate
6.490%
+0.0% vs national (6.490%)
Median Origination
$1,950
Median Lender Credits
$600
Cost Rank (500+ vol.)
#257
among lenders with 500+ originations
Denial Rate
0.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 975 | 6.250% | $7,611 | $2,218 |
| conventional | 844 | 6.625% | $3,776 | $1,811 |
| usda | 543 | 6.375% | $5,217 | $1,907 |
| va | 258 | 6.250% | $5,549 | $1,682 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Arkansas | 1,801 | 6.490% | $5,932 | #2 |
| Illinois | 221 | 6.500% | $4,085 | #84 |
| Tennessee | 216 | 6.490% | $6,072 | #73 |
| Oklahoma | 176 | 6.125% | $5,716 | #48 |
| Kentucky | 81 | 6.500% | $4,444 | #93 |
| Mississippi | 61 | 6.250% | $5,914 | #63 |
| Louisiana | 25 | 6.490% | $6,117 | — |
| Texas | 22 | 6.500% | $6,474 | — |
| Missouri | 6 | 6.500% | $5,171 | — |
| Wisconsin | 4 | 6.740% | $2,847 | — |
| Alabama | 2 | 6.688% | $6,688 | — |
| Florida | 2 | 6.562% | $7,353 | — |
| Georgia | 1 | 6.500% | $4,536 | — |
| Minnesota | 1 | 6.500% | $9,415 | — |
| Ohio | 1 | 6.500% | $4,365 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,936 | 6.500% | — | 83 | −$1,785 | |
| 2 | $4,783 | 6.500% | — | 52 | −$938 | |
| 3 | $4,794 | 6.500% | — | 54 | −$927 | |
| 4 | $5,467 | 6.490% | — | 57 | −$254 | |
| 5 | $5,476 | 6.625% | — | 49 | −$245 | |
| 6 | $5,579 | 6.125% | — | 57 | −$142 | |
| 7 | $5,680 | 6.490% | — | 68 | −$41 | |
| 8 | $5,690 | 6.125% | — | 73 | −$31 | |
| 9 | $5,755 | 6.062% | — | 54 | +$34 | |
| 10 | $5,832 | 6.500% | — | 76 | +$111 | |
| 11 | $5,940 | 6.125% | — | 50 | +$219 | |
| 12 | $6,013 | 6.500% | — | 120 | +$292 | |
| 13 | $6,019 | 6.490% | — | 80 | +$298 | |
| 14 | $6,162 | 6.375% | — | 56 | +$441 | |
| 15 | $6,354 | 6.500% | — | 183 | +$633 | |
| 16 | $6,426 | 6.375% | — | 147 | +$705 | |
| 17 | $6,489 | 6.375% | — | 65 | +$768 | |
| 18 | $6,509 | 6.490% | — | 182 | +$788 | |
| 19 | $6,636 | 6.624% | — | 55 | +$915 | |
| 20 | $7,392 | 6.250% | — | 163 | +$1,671 |
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 | FIRSTTRUST HOME LOANS, INC. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $195,000 | $335,000 | −$140,000 (−41.8%) |
| Median total closing costs | $5,721 | $7,127 | −$1,406 (−19.7%) |
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.