Purchase Originations
452
Median Total Costs
$10,773
+61.3% vs national ($6,680)
↑ $649 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$5,749
Median Lender Credits
$0
Denial Rate
0.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 324 | 6.500% | $11,072 | $5,763 |
| usda | 107 | 6.500% | $9,230 | $5,406 |
| va | 20 | 6.500% | $12,080 | $8,659 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Puerto Rico | 452 | 6.500% | $10,773 | #8 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $7,696 | 6.500% | — | 13 | −$3,077 | |
| 2 | $8,612 | 6.500% | — | 8 | −$2,161 | |
| 3 | $8,931 | 6.500% | — | 17 | −$1,842 | |
| 4 | $9,680 | 6.500% | — | 17 | −$1,093 | |
| 5 | $9,865 | 6.750% | — | 19 | −$908 | |
| 6 | $10,044 | 6.500% | — | 9 | −$729 | |
| 7 | $10,425 | 6.250% | — | 9 | −$348 | |
| 8 | $10,458 | 6.375% | — | 8 | −$315 | |
| 9 | $10,977 | 6.250% | — | 13 | +$204 | |
| 10 | $11,165 | 6.500% | — | 11 | +$392 | |
| 11 | $11,194 | 6.250% | — | 13 | +$421 | |
| 12 | $11,205 | 6.250% | — | 26 | +$432 | |
| 13 | $11,716 | 6.500% | — | 56 | +$943 | |
| 14 | $11,850 | 6.500% | — | 11 | +$1,077 | |
| 15 | $12,148 | 6.250% | — | 15 | +$1,375 | |
| 16 | $12,281 | 6.250% | — | 48 | +$1,508 | |
| 17 | $12,294 | 6.375% | — | 10 | +$1,521 | |
| 18 | $12,886 | 6.500% | — | 11 | +$2,113 | |
| 19 | $13,171 | 6.500% | — | 8 | +$2,398 | |
| 20 | $13,278 | 6.500% | — | 31 | +$2,505 |
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 Bankers Corp. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $130,000 | $335,000 | −$205,000 (−61.2%) |
| Median total closing costs | $10,773 | $7,127 | +$3,646 (+51.2%) |
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.