Purchase Originations
1,175
Ranked #332 nationally
Median Total Costs
$15,121
+126.4% vs national ($6,680)
↓ $332 vs prior year
Median Rate
7.000%
+7.9% vs national (6.490%)
↑ 0.250% vs prior year
Median Origination
$8,973
Median Lender Credits
$2,444
Cost Rank (500+ vol.)
#609
among lenders with 500+ originations
Denial Rate
45.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 814 | 7.375% | $15,294 | $10,670 |
| fha | 325 | 6.250% | $15,489 | $3,345 |
| usda | 21 | 6.500% | $8,774 | $4,361 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 439 | 6.875% | $18,268 | #86 |
| Florida | 221 | 7.125% | $15,278 | #154 |
| Texas | 112 | 7.375% | $15,536 | #266 |
| Georgia | 46 | 6.625% | $13,865 | — |
| Arizona | 30 | 7.188% | $15,230 | — |
| Ohio | 29 | 6.625% | $9,411 | — |
| New Jersey | 25 | 7.375% | $16,429 | — |
| South Carolina | 25 | 7.000% | $11,330 | — |
| Colorado | 22 | 7.250% | $14,212 | — |
| Illinois | 21 | 7.250% | $12,448 | — |
| Tennessee | 20 | 6.562% | $11,951 | — |
| Maryland | 17 | 7.000% | $12,966 | — |
| Louisiana | 16 | 6.625% | $12,724 | — |
| North Carolina | 14 | 6.938% | $14,796 | — |
| Virginia | 14 | 7.312% | $14,089 | — |
| Nevada | 13 | 7.375% | $11,356 | — |
| Utah | 12 | 7.062% | $13,321 | — |
| Indiana | 11 | 7.500% | $8,702 | — |
| Washington | 11 | 6.625% | $16,697 | — |
| Pennsylvania | 10 | 6.812% | $11,683 | — |
| Massachusetts | 9 | 7.125% | $15,833 | — |
| Michigan | 8 | 7.188% | $13,030 | — |
| Oregon | 6 | 6.438% | $12,746 | — |
| Missouri | 5 | 7.875% | $10,784 | — |
| Rhode Island | 5 | 6.625% | $15,169 | — |
| Connecticut | 4 | 7.812% | $16,701 | — |
| Mississippi | 4 | 6.375% | $10,048 | — |
| New Hampshire | 4 | 7.375% | $12,695 | — |
| Alabama | 3 | 6.625% | $13,599 | — |
| Delaware | 3 | 7.375% | $16,486 | — |
| Idaho | 3 | 8.125% | $8,473 | — |
| Kentucky | 3 | 6.750% | $5,553 | — |
| Minnesota | 3 | 7.875% | $16,109 | — |
| Montana | 3 | 7.750% | $15,046 | — |
| Oklahoma | 2 | 7.062% | $11,119 | — |
| New Mexico | 1 | 6.250% | $12,462 | — |
| Wisconsin | 1 | 7.000% | $2,278 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $10,490 | 6.250% | — | 11 | −$4,631 | |
| 2 | $11,356 | 7.375% | — | 13 | −$3,765 | |
| 3 | $11,609 | 7.688% | — | 14 | −$3,512 | |
| 4 | $12,925 | 7.375% | — | 14 | −$2,196 | |
| 5 | $13,004 | 7.875% | — | 9 | −$2,117 | |
| 6 | $13,229 | 6.812% | — | 24 | −$1,892 | |
| 7 | $14,120 | 6.750% | — | 13 | −$1,001 | |
| 8 | $14,404 | 7.438% | — | 24 | −$717 | |
| 9 | $14,752 | 7.188% | — | 16 | −$369 | |
| 10 | $15,428 | 7.125% | — | 21 | +$307 | |
| 11 | $16,275 | 7.125% | — | 18 | +$1,154 | |
| 12 | $16,602 | 6.500% | — | 65 | +$1,481 | |
| 13 | $18,158 | 6.875% | — | 61 | +$3,037 | |
| 14 | $18,953 | 6.875% | — | 44 | +$3,832 | |
| 15 | $19,101 | 7.312% | — | 46 | +$3,980 | |
| 16 | $20,328 | 7.500% | — | 25 | +$5,207 | |
| 17 | $20,382 | 6.875% | — | 12 | +$5,261 | |
| 18 | $21,119 | 6.995% | — | 122 | +$5,998 | |
| 19 | $21,989 | 7.125% | — | 15 | +$6,868 | |
| 20 | $22,147 | 7.250% | — | 43 | +$7,026 |
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 | Hometown Equity Mortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $475,000 | $335,000 | +$140,000 (+41.8%) |
| Median total closing costs | $15,121 | $7,127 | +$7,994 (+112.2%) |
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.