Purchase Originations
654
Ranked #529 nationally
Median Total Costs
$7,256
+8.6% vs national ($6,680)
↓ $1,333 vs prior year
Median Rate
5.490%
−15.4% vs national (6.490%)
↓ 0.510% vs prior year
Median Origination
$1,595
Median Lender Credits
$327
Cost Rank (500+ vol.)
#390
among lenders with 500+ originations
Denial Rate
0.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 470 | 5.490% | $6,669 | $2,038 |
| fha | 134 | 5.495% | $13,235 | $1,595 |
| va | 50 | 5.490% | $2,051 | $0 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,689 | 5.490% | — | 43 | −$1,567 | |
| 2 | $5,902 | 6.500% | — | 5 | −$1,354 | |
| 3 | $5,906 | 6.125% | — | 1 | −$1,350 | |
| 4 | $6,459 | 5.490% | — | 5 | −$797 | |
| 5 | $6,762 | 5.490% | — | 24 | −$494 | |
| 6 | $6,768 | 3.990% | — | 12 | −$488 | |
| 7 | $6,815 | 5.490% | — | 96 | −$441 | |
| 8 | $7,409 | 5.490% | — | 170 | +$153 | |
| 9 | $7,502 | 5.812% | — | 204 | +$246 | |
| 10 | $8,033 | 4.620% | — | 4 | +$777 | |
| 11 | $8,204 | 6.375% | — | 13 | +$948 | |
| 12 | $8,378 | 4.490% | — | 10 | +$1,122 | |
| 13 | $8,697 | 5.688% | — | 18 | +$1,441 | |
| 14 | $8,731 | 5.490% | — | 30 | +$1,475 | |
| 15 | $10,362 | 5.999% | — | 4 | +$3,106 | |
| 16 | $10,772 | 5.990% | — | 1 | +$3,516 | |
| 17 | $14,008 | 5.125% | — | 5 | +$6,752 | |
| 18 | $18,336 | 4.875% | — | 9 | +$11,080 |
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 | Grace Home Lending, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $375,000 | $335,000 | +$40,000 (+11.9%) |
| Median total closing costs | $7,256 | $7,127 | +$129 (+1.8%) |
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.