Purchase Originations
671
Ranked #516 nationally
Median Total Costs
$8,315
+24.5% vs national ($6,680)
↓ $38 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$3,062
Median Lender Credits
$754
Cost Rank (500+ vol.)
#462
among lenders with 500+ originations
Denial Rate
9.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 372 | 6.625% | $7,030 | $3,251 |
| fha | 230 | 6.250% | $11,194 | $3,118 |
| va | 47 | 6.375% | $7,266 | $1,695 |
| usda | 22 | 6.500% | $6,981 | $2,291 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 471 | 6.625% | $8,480 | #118 |
| New Mexico | 142 | 6.375% | $7,827 | #30 |
| Mississippi | 29 | 6.500% | $8,186 | — |
| Alabama | 11 | 6.500% | $7,157 | — |
| Florida | 10 | 6.500% | $11,388 | — |
| Louisiana | 4 | 6.603% | $6,400 | — |
| Michigan | 3 | 6.625% | $6,829 | — |
| Georgia | 1 | 7.000% | $5,829 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,576 | 6.688% | — | 12 | −$1,739 | |
| 2 | $7,157 | 6.500% | — | 9 | −$1,158 | |
| 3 | $7,445 | 6.625% | — | 7 | −$870 | |
| 4 | $7,541 | 6.625% | — | 111 | −$774 | |
| 5 | $7,704 | 6.500% | — | 108 | −$611 | |
| 6 | $8,301 | 6.625% | — | 26 | −$14 | |
| 7 | $8,419 | 6.625% | — | 19 | +$104 | |
| 8 | $8,472 | 6.125% | — | 7 | +$157 | |
| 9 | $8,858 | 6.562% | — | 20 | +$543 | |
| 10 | $8,859 | 6.688% | — | 6 | +$544 | |
| 11 | $8,905 | 6.625% | — | 53 | +$590 | |
| 12 | $8,965 | 6.375% | — | 21 | +$650 | |
| 13 | $9,030 | 6.562% | — | 8 | +$715 | |
| 14 | $9,316 | 6.250% | — | 40 | +$1,001 | |
| 15 | $9,349 | 6.500% | — | 26 | +$1,034 | |
| 16 | $9,377 | 6.500% | — | 65 | +$1,062 | |
| 17 | $10,615 | 6.250% | — | 7 | +$2,300 | |
| 18 | $10,629 | 6.500% | — | 9 | +$2,314 | |
| 19 | $11,410 | 6.688% | — | 6 | +$3,095 | |
| 20 | $13,856 | 6.062% | — | 6 | +$5,541 |
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 | Hometrust Mortgage Company | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $285,000 | $335,000 | −$50,000 (−14.9%) |
| Median total closing costs | $8,315 | $7,127 | +$1,188 (+16.7%) |
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.