Purchase Originations
900
Ranked #408 nationally
Median Total Costs
$5,150
−22.9% vs national ($6,680)
↓ $1,147 vs prior year
Median Rate
5.875%
−9.5% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$0
Median Lender Credits
$50
Cost Rank (500+ vol.)
#208
among lenders with 500+ originations
Denial Rate
1.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 376 | 5.750% | $6,376 | $0 |
| conventional | 324 | 6.500% | $820 | $0 |
| va | 192 | 5.750% | $3,612 | $0 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 5.688% | — | 18 | −$5,150 | |
| 2 | $775 | 6.500% | — | 84 | −$4,375 | |
| 3 | $2,184 | 6.625% | — | 35 | −$2,966 | |
| 4 | $4,176 | 5.995% | — | 14 | −$974 | |
| 5 | $4,358 | 6.250% | — | 37 | −$792 | |
| 6 | $4,746 | 5.750% | — | 32 | −$404 | |
| 7 | $4,785 | 6.000% | — | 109 | −$365 | |
| 8 | $4,982 | 5.625% | — | 14 | −$168 | |
| 9 | $5,103 | 5.933% | — | 12 | −$47 | |
| 10 | $5,135 | 6.312% | — | 16 | −$15 | |
| 11 | $5,149 | 5.750% | — | 225 | −$1 | |
| 12 | $5,273 | 6.250% | — | 11 | +$123 | |
| 13 | $5,627 | 5.938% | — | 32 | +$477 | |
| 14 | $5,742 | 5.500% | — | 55 | +$592 | |
| 15 | $5,824 | 5.750% | — | 25 | +$674 | |
| 16 | $5,833 | 5.875% | — | 11 | +$683 | |
| 17 | $5,893 | 6.188% | — | 48 | +$743 | |
| 18 | $8,536 | 6.000% | — | 17 | +$3,386 | |
| 19 | $8,562 | 6.125% | — | 15 | +$3,412 | |
| 20 | $9,182 | 5.688% | — | 14 | +$4,032 |
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 | Heritage Mortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $325,000 | $335,000 | −$10,000 (−3.0%) |
| Median total closing costs | $5,150 | $7,127 | −$1,977 (−27.7%) |
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.