Purchase Originations
375
Median Total Costs
$5,081
−23.9% vs national ($6,680)
↑ $104 vs prior year
Median Rate
6.490%
+0.0% vs national (6.490%)
↓ 0.260% vs prior year
Median Origination
$1,650
Median Lender Credits
$150
Denial Rate
3.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 327 | 6.490% | $4,700 | $1,650 |
| fha | 48 | 6.500% | $8,796 | $1,650 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Wisconsin | 237 | 6.490% | $4,118 | #51 |
| Illinois | 126 | 6.375% | $6,392 | #129 |
| Florida | 3 | 6.240% | $4,041 | — |
| North Carolina | 2 | 6.740% | $4,369 | — |
| South Carolina | 2 | 6.875% | $4,324 | — |
| Tennessee | 2 | 6.687% | $6,551 | — |
| Indiana | 1 | 6.750% | $4,542 | — |
| Oregon | 1 | 6.624% | $6,577 | — |
| Vermont | 1 | 6.125% | $5,395 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,384 | 6.990% | — | 3 | −$1,697 | |
| 2 | $3,420 | 6.375% | — | 7 | −$1,661 | |
| 3 | $3,456 | 6.490% | — | 19 | −$1,625 | |
| 4 | $3,680 | 6.240% | — | 5 | −$1,401 | |
| 5 | $4,018 | 6.495% | — | 6 | −$1,063 | |
| 6 | $4,041 | 6.240% | — | 1 | −$1,040 | |
| 7 | $4,204 | 6.500% | — | 87 | −$877 | |
| 8 | $4,246 | 6.375% | — | 64 | −$835 | |
| 9 | $4,333 | 6.250% | — | 4 | −$748 | |
| 10 | $4,470 | 6.750% | — | 15 | −$611 | |
| 11 | $4,488 | 6.500% | — | 9 | −$593 | |
| 12 | $4,914 | 6.500% | — | 5 | −$167 | |
| 13 | $6,294 | 6.625% | — | 3 | +$1,213 | |
| 14 | $6,333 | 6.624% | — | 2 | +$1,252 | |
| 15 | $6,357 | 6.375% | — | 73 | +$1,276 | |
| 16 | $6,426 | 6.437% | — | 8 | +$1,345 | |
| 17 | $6,456 | 6.625% | — | 19 | +$1,375 | |
| 18 | $7,324 | 6.240% | — | 11 | +$2,243 | |
| 19 | $7,705 | 6.500% | — | 2 | +$2,624 | |
| 20 | $8,000 | 6.750% | — | 7 | +$2,919 |
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 State Bank, National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $255,000 | $335,000 | −$80,000 (−23.9%) |
| Median total closing costs | $5,081 | $7,127 | −$2,046 (−28.7%) |
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.