Purchase Originations
5,131
Ranked #95 nationally
Median Total Costs
$5,561
−16.8% vs national ($6,680)
↑ $1,866 vs prior year
Median Rate
4.500%
−30.7% vs national (6.490%)
↓ 0.875% vs prior year
Median Origination
$0
Median Lender Credits
$495
Cost Rank (500+ vol.)
#242
among lenders with 500+ originations
Denial Rate
8.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,393 | 4.875% | $1,299 | $0 |
| fha | 1,777 | 4.250% | $9,035 | $0 |
| va | 960 | 4.375% | $3,606 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Colorado | 1,097 | 4.500% | $5,534 | #10 |
| Arizona | 946 | 4.500% | $5,666 | #18 |
| California | 796 | 4.750% | $6,039 | #52 |
| Florida | 589 | 4.500% | $5,646 | #79 |
| Nevada | 349 | 4.500% | $5,127 | #19 |
| Utah | 297 | 4.625% | $5,524 | #23 |
| Washington | 289 | 4.999% | $3,480 | #49 |
| Virginia | 209 | 4.999% | $5,574 | #80 |
| Idaho | 126 | 4.999% | $5,047 | #42 |
| Tennessee | 114 | 4.500% | $5,758 | #115 |
| New Mexico | 101 | 4.500% | $6,839 | #38 |
| Texas | 98 | 4.999% | $1,237 | #278 |
| Maryland | 53 | 5.375% | $3,744 | #137 |
| Oregon | 38 | 4.500% | $8,733 | — |
| Alabama | 29 | 4.250% | $5,235 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,691 | 4.500% | — | 159 | −$3,870 | |
| 2 | $1,884 | 4.999% | — | 126 | −$3,677 | |
| 3 | $2,887 | 4.500% | — | 162 | −$2,674 | |
| 4 | $3,241 | 4.625% | — | 87 | −$2,320 | |
| 5 | $3,483 | 4.999% | — | 119 | −$2,078 | |
| 6 | $4,176 | 4.500% | — | 517 | −$1,385 | |
| 7 | $4,380 | 4.500% | — | 82 | −$1,181 | |
| 8 | $5,035 | 4.500% | — | 337 | −$526 | |
| 9 | $5,074 | 4.999% | — | 99 | −$487 | |
| 10 | $5,079 | 4.750% | — | 92 | −$482 | |
| 11 | $5,353 | 4.375% | — | 165 | −$208 | |
| 12 | $5,742 | 4.750% | — | 131 | +$181 | |
| 13 | $5,764 | 4.875% | — | 102 | +$203 | |
| 14 | $5,814 | 4.875% | — | 122 | +$253 | |
| 15 | $5,818 | 4.500% | — | 122 | +$257 | |
| 16 | $5,995 | 4.125% | — | 264 | +$434 | |
| 17 | $6,149 | 4.750% | — | 207 | +$588 | |
| 18 | $7,511 | 4.250% | — | 180 | +$1,950 | |
| 19 | $8,780 | 4.375% | — | 332 | +$3,219 | |
| 20 | $9,292 | 4.500% | — | 154 | +$3,731 |
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 | Homeamerican Mortgage Corporation | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $495,000 | $335,000 | +$160,000 (+47.8%) |
| Median total closing costs | $5,561 | $7,127 | −$1,566 (−22.0%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
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.