Purchase Originations
247
Median Total Costs
$7,588
+13.6% vs national ($6,680)
↓ $44 vs prior year
Median Rate
5.750%
−11.4% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,965
Median Lender Credits
$82
Denial Rate
5.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 182 | 5.875% | $6,910 | $1,965 |
| fha | 40 | 5.062% | $12,288 | $1,965 |
| va | 24 | 5.562% | $5,578 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 247 | 5.750% | $7,588 | #175 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,592 | 6.125% | — | 1 | −$1,996 | |
| 2 | $5,620 | 6.188% | — | 2 | −$1,968 | |
| 3 | $5,891 | 6.562% | — | 4 | −$1,697 | |
| 4 | $6,028 | 6.125% | — | 5 | −$1,560 | |
| 5 | $7,018 | 6.000% | — | 97 | −$570 | |
| 6 | $7,103 | 6.500% | — | 11 | −$485 | |
| 7 | $7,484 | 5.750% | — | 7 | −$104 | |
| 8 | $7,969 | 5.750% | — | 1 | +$381 | |
| 9 | $8,145 | 6.125% | — | 28 | +$557 | |
| 10 | $8,368 | 6.250% | — | 1 | +$780 | |
| 11 | $8,478 | 8.125% | — | 1 | +$890 | |
| 12 | $9,174 | 5.250% | — | 88 | +$1,586 | |
| 13 | $14,473 | 6.125% | — | 1 | +$6,885 |
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 Financing Unlimited, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $395,000 | $335,000 | +$60,000 (+17.9%) |
| Median total closing costs | $7,588 | $7,127 | +$461 (+6.5%) |
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.