Purchase Originations
2,594
Ranked #178 nationally
Median Total Costs
$8,809
+31.9% vs national ($6,680)
↓ $524 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$3,865
Median Lender Credits
$1,039
Cost Rank (500+ vol.)
#489
among lenders with 500+ originations
Denial Rate
3.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,654 | 6.625% | $6,934 | $3,666 |
| fha | 702 | 6.375% | $14,278 | $4,727 |
| va | 216 | 6.250% | $7,419 | $1,735 |
| usda | 22 | 6.250% | $8,885 | $4,392 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Georgia | 783 | 6.500% | $9,181 | #31 |
| Arizona | 536 | 6.500% | $9,336 | #36 |
| California | 253 | 6.500% | $14,147 | #127 |
| Minnesota | 230 | 6.500% | $6,035 | #56 |
| Florida | 214 | 6.625% | $8,464 | #158 |
| Colorado | 164 | 5.875% | $11,575 | #84 |
| South Carolina | 124 | 6.375% | $8,752 | #108 |
| Texas | 76 | 6.312% | $8,525 | #307 |
| North Carolina | 62 | 6.625% | $5,972 | #185 |
| Alaska | 41 | 6.375% | $8,090 | — |
| Iowa | 41 | 6.750% | $4,250 | — |
| Alabama | 26 | 6.375% | $8,216 | — |
| Oregon | 8 | 6.688% | $8,516 | — |
| Tennessee | 7 | 5.750% | $3,150 | — |
| Illinois | 5 | 6.375% | $8,620 | — |
| Michigan | 4 | 6.625% | $6,192 | — |
| Washington | 3 | 6.125% | $16,665 | — |
| Arkansas | 2 | 6.188% | $6,957 | — |
| Kansas | 2 | 6.375% | $3,690 | — |
| Maine | 2 | 6.812% | $3,341 | — |
| Montana | 2 | 6.312% | $7,676 | — |
| Nevada | 2 | 7.375% | $8,384 | — |
| Idaho | 1 | 6.625% | $7,377 | — |
| Mississippi | 1 | 7.250% | $6,265 | — |
| North Dakota | 1 | 6.375% | $6,284 | — |
| Nebraska | 1 | 5.875% | $6,925 | — |
| Utah | 1 | 7.000% | $9,505 | — |
| Virginia | 1 | 6.250% | $8,183 | — |
| Wisconsin | 1 | 6.250% | $3,544 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,754 | 6.500% | — | 75 | −$3,055 | |
| 2 | $6,010 | 6.500% | — | 50 | −$2,799 | |
| 3 | $7,114 | 6.750% | — | 93 | −$1,695 | |
| 4 | $7,872 | 6.500% | — | 30 | −$937 | |
| 5 | $8,430 | 6.500% | — | 94 | −$379 | |
| 6 | $8,479 | 6.625% | — | 32 | −$330 | |
| 7 | $8,655 | 6.500% | — | 396 | −$154 | |
| 8 | $8,895 | 6.375% | — | 75 | +$86 | |
| 9 | $9,182 | 6.625% | — | 40 | +$373 | |
| 10 | $9,188 | 6.562% | — | 38 | +$379 | |
| 11 | $9,775 | 6.500% | — | 29 | +$966 | |
| 12 | $9,811 | 6.625% | — | 44 | +$1,002 | |
| 13 | $10,186 | 6.562% | — | 46 | +$1,377 | |
| 14 | $10,333 | 6.250% | — | 31 | +$1,524 | |
| 15 | $11,444 | 6.500% | — | 29 | +$2,635 | |
| 16 | $11,475 | 6.250% | — | 49 | +$2,666 | |
| 17 | $11,720 | 5.938% | — | 50 | +$2,911 | |
| 18 | $14,227 | 6.312% | — | 38 | +$5,418 | |
| 19 | $15,735 | 6.250% | — | 71 | +$6,926 | |
| 20 | $15,737 | 6.500% | — | 31 | +$6,928 |
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 | Homeowners Financial Group USA, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $375,000 | $335,000 | +$40,000 (+11.9%) |
| Median total closing costs | $8,809 | $7,127 | +$1,682 (+23.6%) |
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.