Purchase Originations
1,059
Ranked #362 nationally
Median Total Costs
$14,617
+118.8% vs national ($6,680)
↓ $1,068 vs prior year
Median Rate
7.375%
+13.6% vs national (6.490%)
↓ 0.624% vs prior year
Median Origination
$9,590
Median Lender Credits
$3,402
Cost Rank (500+ vol.)
#605
among lenders with 500+ originations
Denial Rate
41.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 947 | 7.500% | $14,734 | $10,294 |
| fha | 72 | 5.875% | $16,191 | $3,790 |
| va | 40 | 6.250% | $4,178 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 280 | 7.250% | $17,707 | #118 |
| Florida | 194 | 7.312% | $14,656 | #166 |
| Texas | 148 | 7.375% | $14,336 | #234 |
| Arizona | 39 | 7.625% | $14,979 | — |
| Washington | 27 | 7.375% | $13,451 | — |
| Georgia | 26 | 7.500% | $14,343 | — |
| Nevada | 26 | 7.875% | $13,415 | — |
| Oregon | 26 | 7.500% | $13,082 | — |
| New Jersey | 23 | 7.500% | $13,246 | — |
| Hawaii | 22 | 7.375% | $21,978 | — |
| Tennessee | 21 | 7.625% | $10,648 | — |
| Colorado | 18 | 7.188% | $9,830 | — |
| Michigan | 17 | 7.875% | $12,370 | — |
| Idaho | 16 | 7.250% | $16,602 | — |
| Ohio | 16 | 7.188% | $8,930 | — |
| Utah | 16 | 7.438% | $14,346 | — |
| South Carolina | 15 | 7.750% | $19,262 | — |
| Illinois | 14 | 8.249% | $10,088 | — |
| Alabama | 12 | 6.933% | $7,577 | — |
| Maryland | 11 | 7.250% | $13,213 | — |
| Pennsylvania | 10 | 7.375% | $11,703 | — |
| Connecticut | 9 | 7.250% | $13,330 | — |
| North Carolina | 9 | 7.999% | $9,790 | — |
| Virginia | 8 | 7.874% | $12,488 | — |
| Wisconsin | 7 | 7.250% | $12,738 | — |
| New Mexico | 6 | 7.062% | $15,710 | — |
| Oklahoma | 6 | 8.188% | $15,767 | — |
| Louisiana | 5 | 7.125% | $10,618 | — |
| Maine | 4 | 6.625% | $2,801 | — |
| Minnesota | 4 | 8.188% | $12,392 | — |
| Missouri | 4 | 7.187% | $7,647 | — |
| New Hampshire | 4 | 8.124% | $13,546 | — |
| Indiana | 3 | 8.375% | $17,038 | — |
| Kansas | 3 | 8.500% | $14,262 | — |
| Montana | 3 | 7.250% | $10,618 | — |
| Nebraska | 3 | 6.999% | $8,844 | — |
| Delaware | 2 | 8.562% | $9,870 | — |
| Arkansas | 1 | 8.250% | $19,095 | — |
| District of Columbia | 1 | 7.999% | $11,717 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $11,920 | 7.375% | — | 20 | −$2,697 | |
| 2 | $12,489 | 7.250% | — | 11 | −$2,128 | |
| 3 | $13,415 | 7.750% | — | 24 | −$1,202 | |
| 4 | $13,884 | 6.999% | — | 17 | −$733 | |
| 5 | $14,083 | 7.250% | — | 10 | −$534 | |
| 6 | $14,242 | 7.875% | — | 13 | −$375 | |
| 7 | $14,335 | 7.188% | — | 14 | −$282 | |
| 8 | $14,609 | 7.375% | — | 23 | −$8 | |
| 9 | $15,670 | 7.375% | — | 25 | +$1,053 | |
| 10 | $16,404 | 7.250% | — | 17 | +$1,787 | |
| 11 | $16,614 | 7.375% | — | 19 | +$1,997 | |
| 12 | $16,793 | 7.750% | — | 22 | +$2,176 | |
| 13 | $17,539 | 7.375% | — | 12 | +$2,922 | |
| 14 | $18,034 | 7.750% | — | 23 | +$3,417 | |
| 15 | $18,660 | 7.375% | — | 11 | +$4,043 | |
| 16 | $18,863 | 6.999% | — | 26 | +$4,246 | |
| 17 | $19,268 | 7.375% | — | 11 | +$4,651 | |
| 18 | $19,710 | 7.125% | — | 55 | +$5,093 | |
| 19 | $20,750 | 7.375% | — | 39 | +$6,133 | |
| 20 | $21,722 | 7.125% | — | 21 | +$7,105 |
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 | Homexpress Mortgage Corp. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $485,000 | $335,000 | +$150,000 (+44.8%) |
| Median total closing costs | $14,617 | $7,127 | +$7,490 (+105.1%) |
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.