Purchase Originations
354
Median Total Costs
$5,667
−15.2% vs national ($6,680)
Median Rate
6.625%
+2.1% vs national (6.490%)
Median Origination
$1,815
Median Lender Credits
$688
Denial Rate
1.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 274 | 6.750% | $4,493 | $1,815 |
| fha | 56 | 5.995% | $14,666 | $3,782 |
| va | 24 | 6.000% | $9,522 | $3,875 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,739 | 7.120% | — | 4 | −$1,928 | |
| 2 | $3,749 | 6.990% | — | 3 | −$1,918 | |
| 3 | $3,843 | 6.990% | — | 17 | −$1,824 | |
| 4 | $3,930 | 6.750% | — | 21 | −$1,737 | |
| 5 | $4,203 | 6.750% | — | 31 | −$1,464 | |
| 6 | $4,459 | 6.625% | — | 52 | −$1,208 | |
| 7 | $4,669 | 6.870% | — | 4 | −$998 | |
| 8 | $4,851 | 6.562% | — | 4 | −$816 | |
| 9 | $5,360 | 6.125% | — | 5 | −$307 | |
| 10 | $5,410 | 6.375% | — | 21 | −$257 | |
| 11 | $5,807 | 6.812% | — | 8 | +$140 | |
| 12 | $6,165 | 6.812% | — | 10 | +$498 | |
| 13 | $6,419 | 6.495% | — | 24 | +$752 | |
| 14 | $6,647 | 6.625% | — | 34 | +$980 | |
| 15 | $6,758 | 6.500% | — | 4 | +$1,091 | |
| 16 | $7,873 | 6.183% | — | 20 | +$2,206 | |
| 17 | $8,604 | 6.125% | — | 29 | +$2,937 | |
| 18 | $8,709 | 6.125% | — | 14 | +$3,042 | |
| 19 | $11,575 | 6.125% | — | 7 | +$5,908 | |
| 20 | $12,285 | 6.500% | — | 14 | +$6,618 |
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 MORTGAGE ADVISORS, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $430,000 | $335,000 | +$95,000 (+28.4%) |
| Median total closing costs | $5,667 | $7,127 | −$1,460 (−20.5%) |
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.