HOMESPIRE MORTGAGE CORPORATION closing costs and rates (2024)
In 2024, HOMESPIRE MORTGAGE CORPORATION originated 1,752 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $8,895. That ranks #251 nationally by origination volume. For total closing costs among lenders with 500+ originations, HOMESPIRE MORTGAGE CORPORATION ranks #499. That is $2,154 above the national median of $6,741. HOMESPIRE MORTGAGE CORPORATION is most active in Maryland with 441 originations there.
Purchase Originations
1,752
Ranked #251 nationally
Median Total Costs
$8,895
+31.9% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$3,324
Median Lender Credits
$128
Cost Rank (500+ vol.)
#499
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 811 | 6.625% | $6,834 | $3,708 |
| fha | 657 | 6.625% | $12,736 | $4,010 |
| va | 223 | 6.500% | $6,262 | $650 |
| usda | 61 | 6.250% | $7,768 | $2,510 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Maryland | 441 | 6.750% | $11,371 | #36 |
| Virginia | 314 | 6.625% | $8,268 | #60 |
| West Virginia | 279 | 6.270% | $8,115 | #12 |
| Florida | 171 | 6.625% | $12,150 | #187 |
| North Carolina | 153 | 6.625% | $6,597 | #120 |
| Ohio | 91 | 6.625% | $4,234 | #142 |
| Texas | 75 | 6.375% | $9,459 | #310 |
| Pennsylvania | 64 | 6.625% | $5,815 | #189 |
| Louisiana | 43 | 6.580% | $9,246 | — |
| Rhode Island | 43 | 6.250% | $16,459 | — |
| Georgia | 36 | 6.625% | $8,686 | — |
| District of Columbia | 22 | 6.625% | $9,059 | — |
| Massachusetts | 11 | 6.250% | $15,466 | — |
| South Carolina | 3 | 6.125% | $12,192 | — |
| Delaware | 2 | 6.875% | $5,640 | — |
| Connecticut | 1 | 7.000% | $9,424 | — |
| Indiana | 1 | 6.250% | $19,920 | — |
| Maine | 1 | 6.125% | $4,567 | — |
| Oklahoma | 1 | 6.875% | $5,911 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,045 | 6.625% | — | 28 | −$4,850 | |
| 2 | $4,255 | 6.500% | — | 40 | −$4,640 | |
| 3 | $5,341 | 6.625% | — | 27 | −$3,554 | |
| 4 | $6,186 | 6.625% | — | 22 | −$2,709 | |
| 5 | $6,875 | 6.500% | — | 27 | −$2,020 | |
| 6 | $7,474 | 6.625% | — | 51 | −$1,421 | |
| 7 | $8,420 | 6.250% | — | 159 | −$475 | |
| 8 | $8,832 | 6.250% | — | 43 | −$63 | |
| 9 | $9,014 | 6.688% | — | 38 | +$119 | |
| 10 | $9,982 | 6.688% | — | 44 | +$1,087 | |
| 11 | $10,162 | 6.875% | — | 30 | +$1,267 | |
| 12 | $10,203 | 6.688% | — | 26 | +$1,308 | |
| 13 | $10,498 | 6.750% | — | 58 | +$1,603 | |
| 14 | $10,542 | 6.625% | — | 111 | +$1,647 | |
| 15 | $12,126 | 6.625% | — | 29 | +$3,231 | |
| 16 | $12,709 | 6.625% | — | 25 | +$3,814 | |
| 17 | $12,817 | 6.750% | — | 97 | +$3,922 | |
| 18 | $13,010 | 6.625% | — | 37 | +$4,115 | |
| 19 | $13,541 | 6.750% | — | 49 | +$4,646 | |
| 20 | $17,348 | 6.250% | — | 35 | +$8,453 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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 2024, 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.