HOME TOWN FUNDING, INC. closing costs and rates (2024)
In 2024, HOME TOWN FUNDING, INC. originated 599 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $3,578. That ranks #568 nationally by origination volume. For total closing costs among lenders with 500+ originations, HOME TOWN FUNDING, INC. ranks #79. That is $3,163 below the national median of $6,741. HOME TOWN FUNDING, INC. is most active in New York with 580 originations there.
Purchase Originations
599
Ranked #568 nationally
Median Total Costs
$3,578
−46.9% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$995
Median Lender Credits
$614
Cost Rank (500+ vol.)
#79
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 570 | 6.625% | $3,534 | $995 |
| fha | 21 | 6.500% | $5,446 | $350 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 580 | 6.625% | $3,552 | #40 |
| Florida | 6 | 6.438% | $4,904 | — |
| Alabama | 4 | 6.812% | $6,493 | — |
| South Carolina | 4 | 7.688% | $5,643 | — |
| Pennsylvania | 2 | 6.750% | $9,740 | — |
| Indiana | 1 | 7.250% | $6,113 | — |
| North Carolina | 1 | 6.625% | $4,953 | — |
| Utah | 1 | 6.375% | $4,709 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,110 | 6.688% | — | 18 | −$468 | |
| 2 | $3,399 | 6.625% | — | 89 | −$179 | |
| 3 | $3,437 | 6.250% | — | 2 | −$141 | |
| 4 | $3,495 | 6.375% | — | 6 | −$83 | |
| 5 | $3,496 | 6.625% | — | 30 | −$82 | |
| 6 | $3,534 | 6.625% | — | 348 | −$44 | |
| 7 | $3,581 | 6.625% | — | 11 | +$3 | |
| 8 | $3,686 | 6.625% | — | 5 | +$108 | |
| 9 | $3,718 | 7.125% | — | 12 | +$140 | |
| 10 | $3,753 | 7.312% | — | 2 | +$175 | |
| 11 | $3,781 | 6.750% | — | 27 | +$203 | |
| 12 | $4,169 | 6.938% | — | 10 | +$591 | |
| 13 | $4,181 | 6.625% | — | 9 | +$603 | |
| 14 | $4,192 | 7.125% | — | 1 | +$614 | |
| 15 | $4,474 | 7.625% | — | 2 | +$896 | |
| 16 | $4,720 | 7.000% | — | 2 | +$1,142 | |
| 17 | $4,964 | 6.500% | — | 1 | +$1,386 | |
| 18 | $5,567 | 6.875% | — | 1 | +$1,989 | |
| 19 | $6,493 | 6.812% | — | 4 | +$2,915 | |
| 20 | $10,224 | 6.000% | — | 1 | +$6,646 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.