Purchase Originations
467
Median Total Costs
$8,634
+29.3% vs national ($6,680)
↑ $593 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.500% vs prior year
Median Origination
$4,452
Median Lender Credits
$5
Denial Rate
20.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| usda | 230 | 6.000% | $8,342 | $4,174 |
| fha | 164 | 6.000% | $9,508 | $4,464 |
| conventional | 62 | 7.500% | $7,828 | $5,523 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Puerto Rico | 467 | 6.250% | $8,634 | #7 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,675 | 6.250% | — | 16 | −$1,959 | |
| 2 | $7,001 | 6.250% | — | 19 | −$1,633 | |
| 3 | $7,039 | 6.000% | — | 13 | −$1,595 | |
| 4 | $7,245 | 6.250% | — | 13 | −$1,389 | |
| 5 | $7,325 | 6.000% | — | 10 | −$1,309 | |
| 6 | $7,456 | 6.250% | — | 8 | −$1,178 | |
| 7 | $7,630 | 5.875% | — | 10 | −$1,004 | |
| 8 | $7,758 | 5.750% | — | 15 | −$876 | |
| 9 | $8,407 | 5.750% | — | 7 | −$227 | |
| 10 | $8,555 | 7.000% | — | 27 | −$79 | |
| 11 | $8,569 | 6.000% | — | 13 | −$65 | |
| 12 | $8,634 | 6.500% | — | 31 | +$0 | |
| 13 | $8,939 | 6.250% | — | 25 | +$305 | |
| 14 | $9,307 | 5.750% | — | 70 | +$673 | |
| 15 | $9,326 | 6.000% | — | 30 | +$692 | |
| 16 | $9,326 | 6.500% | — | 18 | +$692 | |
| 17 | $9,750 | 6.500% | — | 8 | +$1,116 | |
| 18 | $9,767 | 5.750% | — | 7 | +$1,133 | |
| 19 | $10,006 | 6.250% | — | 7 | +$1,372 | |
| 20 | $10,500 | 5.750% | — | 22 | +$1,866 |
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 | HR Mortgage Corp. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $115,000 | $335,000 | −$220,000 (−65.7%) |
| Median total closing costs | $8,634 | $7,127 | +$1,507 (+21.1%) |
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.