Purchase Originations
674
Ranked #513 nationally
Median Total Costs
$14,500
+117.1% vs national ($6,680)
Median Rate
6.990%
+7.7% vs national (6.490%)
Median Origination
$6,013
Median Lender Credits
$1,983
Cost Rank (500+ vol.)
#603
among lenders with 500+ originations
Denial Rate
39.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 473 | 6.875% | $14,737 | $5,252 |
| conventional | 133 | 7.500% | $16,617 | $11,574 |
| va | 55 | 6.250% | $7,581 | $1,889 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 194 | 6.875% | $21,087 | #153 |
| Texas | 96 | 6.990% | $12,746 | #282 |
| Florida | 76 | 6.990% | $13,956 | #261 |
| Georgia | 34 | 6.990% | $12,219 | — |
| Washington | 26 | 6.990% | $15,526 | — |
| Arizona | 25 | 6.875% | $15,987 | — |
| Maryland | 20 | 6.688% | $16,426 | — |
| Nevada | 18 | 7.125% | $17,145 | — |
| Tennessee | 18 | 6.812% | $9,386 | — |
| Illinois | 15 | 7.500% | $16,660 | — |
| Oklahoma | 14 | 6.990% | $7,884 | — |
| Alabama | 13 | 6.990% | $7,464 | — |
| Louisiana | 13 | 6.750% | $11,151 | — |
| South Carolina | 11 | 6.625% | $7,980 | — |
| Oregon | 10 | 6.995% | $13,994 | — |
| Michigan | 9 | 7.750% | $6,944 | — |
| Virginia | 8 | 7.058% | $11,141 | — |
| Colorado | 7 | 6.625% | $11,456 | — |
| North Carolina | 6 | 7.125% | $14,488 | — |
| Ohio | 6 | 7.625% | $9,972 | — |
| Indiana | 5 | 6.875% | $12,352 | — |
| Mississippi | 5 | 6.875% | $6,933 | — |
| Utah | 5 | 6.875% | $14,545 | — |
| Arkansas | 4 | 6.188% | $8,472 | — |
| Kansas | 4 | 7.750% | $10,517 | — |
| Kentucky | 4 | 7.933% | $9,218 | — |
| New Jersey | 4 | 6.562% | $23,952 | — |
| Pennsylvania | 4 | 6.990% | $13,011 | — |
| Wisconsin | 4 | 7.188% | $8,517 | — |
| Massachusetts | 3 | 6.250% | $8,556 | — |
| Missouri | 3 | 7.500% | $6,392 | — |
| Minnesota | 2 | 7.370% | $11,528 | — |
| New Mexico | 2 | 7.125% | $11,526 | — |
| Alaska | 1 | 6.250% | $9,049 | — |
| Connecticut | 1 | 7.750% | $9,600 | — |
| Delaware | 1 | 6.500% | $3,820 | — |
| Hawaii | 1 | 5.990% | $4,338 | — |
| North Dakota | 1 | 5.750% | $11,904 | — |
| New Hampshire | 1 | 6.750% | $2,815 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $10,929 | 7.125% | — | 7 | −$3,571 | |
| 2 | $11,385 | 6.875% | — | 7 | −$3,115 | |
| 3 | $12,971 | 6.990% | — | 18 | −$1,529 | |
| 4 | $13,595 | 6.870% | — | 6 | −$905 | |
| 5 | $13,760 | 6.875% | — | 6 | −$740 | |
| 6 | $14,381 | 6.812% | — | 10 | −$119 | |
| 7 | $14,510 | 6.875% | — | 7 | +$10 | |
| 8 | $16,297 | 6.812% | — | 8 | +$1,797 | |
| 9 | $16,391 | 6.812% | — | 14 | +$1,891 | |
| 10 | $16,660 | 7.500% | — | 11 | +$2,160 | |
| 11 | $16,731 | 7.438% | — | 14 | +$2,231 | |
| 12 | $18,492 | 6.875% | — | 7 | +$3,992 | |
| 13 | $18,887 | 6.990% | — | 5 | +$4,387 | |
| 14 | $19,094 | 6.688% | — | 6 | +$4,594 | |
| 15 | $19,312 | 6.875% | — | 33 | +$4,812 | |
| 16 | $21,150 | 7.000% | — | 6 | +$6,650 | |
| 17 | $21,605 | 7.058% | — | 6 | +$7,105 | |
| 18 | $22,786 | 6.750% | — | 55 | +$8,286 | |
| 19 | $22,790 | 6.875% | — | 42 | +$8,290 | |
| 20 | $25,794 | 7.375% | — | 8 | +$11,294 |
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 | GENWAY HOME MORTGAGE, INC. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $355,000 | $335,000 | +$20,000 (+6.0%) |
| Median total closing costs | $14,500 | $7,127 | +$7,373 (+103.5%) |
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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.