Purchase Originations
2,359
Ranked #195 nationally
Median Total Costs
$11,418
+70.9% vs national ($6,680)
↓ $1,304 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$4,666
Median Lender Credits
$2,993
Cost Rank (500+ vol.)
#575
among lenders with 500+ originations
Denial Rate
28.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,238 | 6.750% | $9,874 | $5,748 |
| fha | 932 | 5.990% | $14,518 | $3,693 |
| va | 165 | 6.250% | $8,987 | $3,125 |
| usda | 24 | 6.250% | $8,113 | $3,270 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 431 | 6.250% | $14,483 | #89 |
| New York | 388 | 6.625% | $14,186 | #60 |
| Florida | 261 | 6.490% | $11,166 | #133 |
| Texas | 218 | 6.125% | $10,733 | #195 |
| New Jersey | 140 | 6.433% | $15,652 | #80 |
| Colorado | 86 | 6.125% | $10,468 | #115 |
| Georgia | 86 | 6.500% | $10,640 | #152 |
| Arizona | 72 | 6.250% | $11,402 | #122 |
| Louisiana | 54 | 6.125% | $8,651 | #76 |
| Maryland | 48 | 6.250% | $7,538 | — |
| Hawaii | 45 | 6.250% | $14,550 | — |
| Wisconsin | 34 | 6.750% | $6,638 | — |
| New Mexico | 32 | 6.750% | $7,192 | — |
| Pennsylvania | 32 | 6.312% | $9,035 | — |
| Connecticut | 30 | 6.812% | $9,761 | — |
| Washington | 30 | 6.625% | $11,193 | — |
| South Carolina | 29 | 6.125% | $8,520 | — |
| Virginia | 28 | 6.250% | $8,475 | — |
| Tennessee | 25 | 6.250% | $11,010 | — |
| Maine | 24 | 6.688% | $10,537 | — |
| Alabama | 22 | 6.562% | $13,784 | — |
| Nevada | 22 | 6.250% | $14,276 | — |
| Indiana | 21 | 6.250% | $7,806 | — |
| Michigan | 19 | 6.750% | $6,209 | — |
| North Carolina | 18 | 6.500% | $8,894 | — |
| Missouri | 17 | 6.250% | $6,809 | — |
| Massachusetts | 14 | 7.250% | $11,819 | — |
| Oregon | 14 | 6.312% | $13,389 | — |
| Utah | 13 | 5.750% | $15,324 | — |
| Vermont | 13 | 6.750% | $13,123 | — |
| Ohio | 12 | 6.188% | $9,188 | — |
| Illinois | 10 | 6.995% | $8,101 | — |
| New Hampshire | 10 | 6.933% | $6,113 | — |
| Arkansas | 9 | 6.750% | $9,659 | — |
| Idaho | 9 | 5.750% | $14,776 | — |
| Kentucky | 9 | 6.625% | $5,171 | — |
| Oklahoma | 7 | 6.990% | $14,410 | — |
| Montana | 5 | 6.750% | $18,250 | — |
| West Virginia | 5 | 5.990% | $7,042 | — |
| Delaware | 4 | 6.625% | $10,898 | — |
| Rhode Island | 4 | 7.438% | $12,885 | — |
| Alaska | 2 | 6.438% | $12,409 | — |
| Kansas | 2 | 6.188% | $6,210 | — |
| District of Columbia | 1 | 6.500% | $15,323 | — |
| Iowa | 1 | 5.750% | $8,157 | — |
| Minnesota | 1 | 6.000% | $9,234 | — |
| Mississippi | 1 | 6.750% | $7,981 | — |
| Nebraska | 1 | 7.250% | $7,381 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $8,820 | 6.125% | — | 29 | −$2,598 | |
| 2 | $9,592 | 6.625% | — | 25 | −$1,826 | |
| 3 | $9,876 | 5.933% | — | 26 | −$1,542 | |
| 4 | $10,345 | 6.188% | — | 30 | −$1,073 | |
| 5 | $10,384 | 6.433% | — | 22 | −$1,034 | |
| 6 | $11,315 | 6.490% | — | 23 | −$103 | |
| 7 | $11,402 | 6.312% | — | 56 | −$16 | |
| 8 | $12,353 | 6.500% | — | 21 | +$935 | |
| 9 | $12,471 | 5.750% | — | 44 | +$1,053 | |
| 10 | $13,550 | 6.250% | — | 21 | +$2,132 | |
| 11 | $14,116 | 6.125% | — | 61 | +$2,698 | |
| 12 | $14,213 | 6.750% | — | 27 | +$2,795 | |
| 13 | $14,994 | 6.250% | — | 30 | +$3,576 | |
| 14 | $15,186 | 6.500% | — | 91 | +$3,768 | |
| 15 | $16,121 | 6.250% | — | 43 | +$4,703 | |
| 16 | $16,481 | 6.250% | — | 66 | +$5,063 | |
| 17 | $19,150 | 6.625% | — | 79 | +$7,732 | |
| 18 | $19,429 | 6.625% | — | 56 | +$8,011 | |
| 19 | $19,587 | 6.875% | — | 55 | +$8,169 | |
| 20 | $20,431 | 5.995% | — | 28 | +$9,013 |
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 | Homebridge Financial Services, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $375,000 | $335,000 | +$40,000 (+11.9%) |
| Median total closing costs | $11,418 | $7,127 | +$4,291 (+60.2%) |
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.