Purchase Originations
394
Median Total Costs
$5,232
−21.7% vs national ($6,680)
↑ $36 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,640
Median Lender Credits
$73
Denial Rate
5.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 311 | 6.875% | $4,985 | $1,640 |
| fha | 45 | 6.500% | $10,256 | $1,640 |
| va | 36 | 6.625% | $7,741 | $1,640 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 347 | 6.750% | $5,239 | #61 |
| Maryland | 45 | 6.750% | $4,914 | — |
| Delaware | 2 | 6.620% | $5,390 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,776 | 6.812% | — | 2 | −$1,456 | |
| 2 | $4,284 | 6.375% | — | 3 | −$948 | |
| 3 | $4,442 | 6.125% | — | 3 | −$790 | |
| 4 | $4,541 | 6.750% | — | 3 | −$691 | |
| 5 | $4,946 | 6.750% | — | 80 | −$286 | |
| 6 | $4,947 | 6.870% | — | 2 | −$285 | |
| 7 | $5,074 | 6.625% | — | 19 | −$158 | |
| 8 | $5,223 | 6.812% | — | 10 | −$9 | |
| 9 | $5,224 | 6.750% | — | 34 | −$8 | |
| 10 | $5,239 | 6.625% | — | 13 | +$7 | |
| 11 | $5,307 | 6.625% | — | 91 | +$75 | |
| 12 | $5,376 | 6.812% | — | 20 | +$144 | |
| 13 | $5,388 | 6.683% | — | 2 | +$156 | |
| 14 | $5,492 | 6.750% | — | 15 | +$260 | |
| 15 | $5,505 | 6.625% | — | 22 | +$273 | |
| 16 | $5,530 | 6.750% | — | 4 | +$298 | |
| 17 | $5,544 | 6.625% | — | 20 | +$312 | |
| 18 | $5,628 | 6.875% | — | 39 | +$396 | |
| 19 | $5,749 | 6.490% | — | 1 | +$517 | |
| 20 | $6,191 | 6.875% | — | 2 | +$959 |
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 | Homesale Mortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $275,000 | $335,000 | −$60,000 (−17.9%) |
| Median total closing costs | $5,232 | $7,127 | −$1,895 (−26.6%) |
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.