Purchase Originations
117
Median Total Costs
$5,895
−11.8% vs national ($6,680)
↑ $126 vs prior year
Median Rate
6.490%
+0.0% vs national (6.490%)
↓ 0.010% vs prior year
Median Origination
$1,500
Median Lender Credits
$5,500
Denial Rate
0.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 117 | 6.490% | $5,895 | $1,500 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,846 | 6.250% | — | 1 | −$3,049 | |
| 2 | $3,734 | 5.625% | — | 1 | −$2,161 | |
| 3 | $4,447 | 6.500% | — | 1 | −$1,448 | |
| 4 | $4,815 | 6.490% | — | 1 | −$1,080 | |
| 5 | $5,486 | 6.750% | — | 2 | −$409 | |
| 6 | $5,529 | 6.490% | — | 3 | −$366 | |
| 7 | $5,783 | 6.490% | — | 43 | −$112 | |
| 8 | $5,936 | 6.375% | — | 15 | +$41 | |
| 9 | $6,011 | 6.000% | — | 15 | +$116 | |
| 10 | $6,082 | 6.625% | — | 32 | +$187 | |
| 11 | $7,564 | 6.875% | — | 3 | +$1,669 |
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 | Homeland Mortgage Company | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $425,000 | $335,000 | +$90,000 (+26.9%) |
| Median total closing costs | $5,895 | $7,127 | −$1,232 (−17.3%) |
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.