Purchase Originations
353
Median Total Costs
$7,164
+7.3% vs national ($6,680)
↑ $314 vs prior year
Median Rate
5.750%
−11.4% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$4,205
Median Lender Credits
$88
Denial Rate
1.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 353 | 5.750% | $7,164 | $4,205 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Tennessee | 353 | 5.750% | $7,164 | #48 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,079 | 5.875% | — | 1 | −$2,085 | |
| 2 | $5,241 | 5.750% | — | 5 | −$1,923 | |
| 3 | $5,385 | 6.062% | — | 4 | −$1,779 | |
| 4 | $6,054 | 5.875% | — | 3 | −$1,110 | |
| 5 | $6,464 | 5.750% | — | 3 | −$700 | |
| 6 | $6,706 | 5.562% | — | 8 | −$458 | |
| 7 | $6,764 | 5.750% | — | 15 | −$400 | |
| 8 | $6,980 | 5.750% | — | 16 | −$184 | |
| 9 | $7,139 | 5.750% | — | 18 | −$25 | |
| 10 | $7,197 | 5.750% | — | 241 | +$33 | |
| 11 | $7,843 | 5.750% | — | 34 | +$679 | |
| 12 | $9,067 | 6.000% | — | 1 | +$1,903 | |
| 13 | $9,164 | 6.188% | — | 2 | +$2,000 | |
| 14 | $10,739 | 5.750% | — | 1 | +$3,575 | |
| 15 | $12,244 | 5.875% | — | 1 | +$5,080 |
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 | Home Federal Bank of Tennessee | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $355,000 | $335,000 | +$20,000 (+6.0%) |
| Median total closing costs | $7,164 | $7,127 | +$37 (+0.5%) |
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.