Purchase Originations
145
Median Total Costs
$2,550
−61.8% vs national ($6,680)
↓ $96 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$990
Median Lender Credits
$98
Denial Rate
3.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 145 | 6.500% | $2,550 | $990 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Nebraska | 134 | 6.500% | $2,532 | #35 |
| South Dakota | 8 | 7.000% | $3,819 | — |
| Colorado | 1 | 6.125% | $2,796 | — |
| Kansas | 1 | 7.250% | $1,895 | — |
| Texas | 1 | 7.125% | $4,471 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,583 | 7.000% | — | 5 | −$967 | |
| 2 | $1,701 | 6.375% | — | 1 | −$849 | |
| 3 | $1,895 | 7.250% | — | 1 | −$655 | |
| 4 | $1,934 | 6.500% | — | 8 | −$616 | |
| 5 | $2,272 | 6.750% | — | 9 | −$278 | |
| 6 | $2,345 | 6.625% | — | 2 | −$205 | |
| 7 | $2,425 | 6.625% | — | 6 | −$125 | |
| 8 | $2,469 | 6.750% | — | 6 | −$81 | |
| 9 | $2,517 | 5.875% | — | 1 | −$33 | |
| 10 | $2,539 | 6.500% | — | 57 | −$11 | |
| 11 | $2,542 | 6.375% | — | 2 | −$8 | |
| 12 | $2,598 | 6.375% | — | 3 | +$48 | |
| 13 | $2,795 | 6.625% | — | 21 | +$245 | |
| 14 | $2,796 | 6.125% | — | 1 | +$246 | |
| 15 | $2,985 | 5.375% | — | 1 | +$435 | |
| 16 | $3,104 | 6.250% | — | 2 | +$554 | |
| 17 | $3,183 | 5.875% | — | 1 | +$633 | |
| 18 | $3,352 | 5.750% | — | 2 | +$802 | |
| 19 | $3,677 | 5.990% | — | 3 | +$1,127 | |
| 20 | $3,962 | 7.000% | — | 5 | +$1,412 |
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 | Security First Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $215,000 | $335,000 | −$120,000 (−35.8%) |
| Median total closing costs | $2,550 | $7,127 | −$4,577 (−64.2%) |
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.