Purchase Originations
147
Median Total Costs
$7,343
+9.9% vs national ($6,680)
↓ $810 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↓ 0.240% vs prior year
Median Origination
$3,112
Median Lender Credits
$1,391
Denial Rate
4.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 119 | 6.875% | $6,738 | $3,087 |
| va | 27 | 6.500% | $11,537 | $4,520 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Arizona | 106 | 6.625% | $8,242 | #98 |
| Nevada | 30 | 6.875% | $5,830 | — |
| California | 8 | 6.808% | $11,089 | — |
| Utah | 3 | 6.750% | $7,340 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,909 | 6.625% | — | 1 | −$2,434 | |
| 2 | $5,830 | 6.875% | — | 30 | −$1,513 | |
| 3 | $6,823 | 6.938% | — | 2 | −$520 | |
| 4 | $7,146 | 6.558% | — | 2 | −$197 | |
| 5 | $7,340 | 6.750% | — | 1 | −$3 | |
| 6 | $7,343 | 6.875% | — | 1 | +$0 | |
| 7 | $7,810 | 6.625% | — | 90 | +$467 | |
| 8 | $8,082 | 6.125% | — | 1 | +$739 | |
| 9 | $8,124 | 5.875% | — | 1 | +$781 | |
| 10 | $8,881 | 6.500% | — | 9 | +$1,538 | |
| 11 | $9,138 | 5.990% | — | 1 | +$1,795 | |
| 12 | $9,749 | 6.990% | — | 1 | +$2,406 | |
| 13 | $10,612 | 7.125% | — | 1 | +$3,269 | |
| 14 | $11,779 | 6.625% | — | 5 | +$4,436 | |
| 15 | $23,426 | 6.625% | — | 1 | +$16,083 |
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 | Evo Home Loans, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $375,000 | $335,000 | +$40,000 (+11.9%) |
| Median total closing costs | $7,343 | $7,127 | +$216 (+3.0%) |
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.