Purchase Originations
596
Ranked #572 nationally
Median Total Costs
$3,814
−42.9% vs national ($6,680)
↑ $236 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$995
Median Lender Credits
$1,162
Cost Rank (500+ vol.)
#93
among lenders with 500+ originations
Denial Rate
2.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 568 | 6.625% | $3,753 | $995 |
| fha | 25 | 6.250% | $5,692 | $350 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 580 | 6.500% | $3,770 | #41 |
| Florida | 8 | 7.000% | $10,913 | — |
| South Carolina | 2 | 7.062% | $5,094 | — |
| Alabama | 1 | 6.625% | $6,815 | — |
| Connecticut | 1 | 6.625% | $8,214 | — |
| District of Columbia | 1 | 6.750% | $3,765 | — |
| New Jersey | 1 | 6.875% | $6,841 | — |
| Ohio | 1 | 6.000% | $3,827 | — |
| Texas | 1 | 7.375% | $9,672 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,430 | 6.625% | — | 12 | −$384 | |
| 2 | $3,444 | 6.312% | — | 4 | −$370 | |
| 3 | $3,466 | 6.500% | — | 18 | −$348 | |
| 4 | $3,687 | 6.250% | — | 9 | −$127 | |
| 5 | $3,708 | 6.500% | — | 84 | −$106 | |
| 6 | $3,754 | 6.375% | — | 3 | −$60 | |
| 7 | $3,765 | 6.750% | — | 1 | −$49 | |
| 8 | $3,785 | 6.625% | — | 365 | −$29 | |
| 9 | $3,868 | 6.500% | — | 9 | +$54 | |
| 10 | $3,901 | 6.500% | — | 28 | +$87 | |
| 11 | $3,952 | 6.750% | — | 4 | +$138 | |
| 12 | $4,000 | 6.250% | — | 2 | +$186 | |
| 13 | $4,386 | 6.500% | — | 22 | +$572 | |
| 14 | $4,404 | 7.125% | — | 3 | +$590 | |
| 15 | $4,524 | 6.312% | — | 2 | +$710 | |
| 16 | $4,613 | 6.750% | — | 9 | +$799 | |
| 17 | $6,815 | 6.625% | — | 1 | +$3,001 | |
| 18 | $7,746 | 6.938% | — | 2 | +$3,932 | |
| 19 | $8,214 | 6.625% | — | 1 | +$4,400 | |
| 20 | $10,301 | 7.062% | — | 2 | +$6,487 |
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 Town Funding, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $235,000 | $335,000 | −$100,000 (−29.9%) |
| Median total closing costs | $3,814 | $7,127 | −$3,313 (−46.5%) |
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.