Purchase Originations
249
Median Total Costs
$8,667
+29.8% vs national ($6,680)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$2,045
Median Lender Credits
$321
Denial Rate
0.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 172 | 6.500% | $7,466 | $2,045 |
| fha | 48 | 6.375% | $13,355 | $3,190 |
| va | 21 | 6.125% | $6,894 | $561 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 199 | 6.500% | $8,906 | #206 |
| Florida | 14 | 6.875% | $12,293 | — |
| Alaska | 12 | 6.562% | $6,278 | — |
| Oklahoma | 7 | 6.875% | $8,233 | — |
| South Carolina | 6 | 6.250% | $6,747 | — |
| New Mexico | 3 | 6.250% | $6,686 | — |
| Colorado | 2 | 6.438% | $3,694 | — |
| Georgia | 2 | 6.625% | $10,558 | — |
| Alabama | 1 | 6.990% | $6,842 | — |
| Idaho | 1 | 6.500% | $5,332 | — |
| North Carolina | 1 | 6.625% | $6,669 | — |
| Tennessee | 1 | 6.375% | $3,803 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,493 | 6.375% | — | 3 | −$3,174 | |
| 2 | $6,278 | 6.562% | — | 10 | −$2,389 | |
| 3 | $6,784 | 6.375% | — | 9 | −$1,883 | |
| 4 | $7,067 | 6.625% | — | 3 | −$1,600 | |
| 5 | $7,117 | 5.683% | — | 2 | −$1,550 | |
| 6 | $7,253 | 6.625% | — | 7 | −$1,414 | |
| 7 | $7,700 | 6.375% | — | 15 | −$967 | |
| 8 | $8,392 | 6.375% | — | 26 | −$275 | |
| 9 | $8,717 | 6.500% | — | 67 | +$50 | |
| 10 | $8,906 | 6.250% | — | 3 | +$239 | |
| 11 | $9,056 | 6.500% | — | 3 | +$389 | |
| 12 | $9,231 | 6.183% | — | 2 | +$564 | |
| 13 | $10,106 | 6.750% | — | 5 | +$1,439 | |
| 14 | $10,887 | 6.375% | — | 31 | +$2,220 | |
| 15 | $10,973 | 6.312% | — | 10 | +$2,306 | |
| 16 | $11,143 | 6.990% | — | 3 | +$2,476 | |
| 17 | $11,489 | 6.625% | — | 4 | +$2,822 | |
| 18 | $11,720 | 6.812% | — | 2 | +$3,053 | |
| 19 | $12,315 | 6.875% | — | 3 | +$3,648 | |
| 20 | $12,995 | 6.625% | — | 3 | +$4,328 |
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 | ASPIRE HOME LOANS, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $365,000 | $335,000 | +$30,000 (+9.0%) |
| Median total closing costs | $8,667 | $7,127 | +$1,540 (+21.6%) |
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.