Purchase Originations
130
Median Total Costs
$4,670
−30.1% vs national ($6,680)
↓ $425 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↓ 0.240% vs prior year
Median Origination
$1,125
Median Lender Credits
$84
Denial Rate
6.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 128 | 6.750% | $4,619 | $1,125 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Louisiana | 117 | 6.750% | $4,496 | #55 |
| Texas | 10 | 6.938% | $7,986 | — |
| Mississippi | 3 | 6.375% | $5,589 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,261 | 6.250% | — | 6 | −$1,409 | |
| 2 | $3,526 | 6.125% | — | 1 | −$1,144 | |
| 3 | $3,907 | 5.938% | — | 4 | −$763 | |
| 4 | $3,990 | 6.625% | — | 5 | −$680 | |
| 5 | $4,363 | 6.875% | — | 7 | −$307 | |
| 6 | $4,430 | 6.500% | — | 43 | −$240 | |
| 7 | $4,794 | 6.750% | — | 13 | +$124 | |
| 8 | $4,989 | 6.250% | — | 6 | +$319 | |
| 9 | $5,545 | 7.375% | — | 4 | +$875 | |
| 10 | $5,589 | 6.375% | — | 3 | +$919 | |
| 11 | $6,076 | 6.750% | — | 7 | +$1,406 | |
| 12 | $6,604 | 7.250% | — | 12 | +$1,934 | |
| 13 | $7,300 | 7.000% | — | 3 | +$2,630 | |
| 14 | $7,329 | 7.062% | — | 2 | +$2,659 | |
| 15 | $7,355 | 6.875% | — | 1 | +$2,685 | |
| 16 | $7,714 | 7.490% | — | 1 | +$3,044 | |
| 17 | $8,202 | 6.750% | — | 3 | +$3,532 | |
| 18 | $8,355 | 6.875% | — | 1 | +$3,685 | |
| 19 | $8,390 | 7.490% | — | 1 | +$3,720 | |
| 20 | $8,771 | 6.875% | — | 3 | +$4,101 |
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 | Home Bank, National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $285,000 | $335,000 | −$50,000 (−14.9%) |
| Median total closing costs | $4,670 | $7,127 | −$2,457 (−34.5%) |
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.