First Bank
1,688 mortgages originated in 2025 across 4 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,688
- Median rate
- 6.750%
- Median lender fees
- $3,776
- Median loan amount
- $275,000
- Median spread over APOR
- 0.340
- Paid discount points
- 24.1%
- Received lender credits
- 24.9%
- Purchases / refinances
- 59.2% / 22.8%
- Conventional / FHA / VA
- 88.9% / 7.8% / 3.3%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 71.6% of loans here — see methodology.
Where First Bank lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Missouri | 648 | $3,761 | 6.750% |
| California | 379 | $5,997 | 8.250% |
| Nebraska | 340 | $3,513 | 6.375% |
| Kansas | 171 | $3,454 | 6.625% |