Purchase Originations
708
Ranked #500 nationally
Median Total Costs
$7,712
+15.4% vs national ($6,680)
↑ $652 vs prior year
Median Rate
6.875%
+5.9% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$3,188
Median Lender Credits
$140
Cost Rank (500+ vol.)
#422
among lenders with 500+ originations
Denial Rate
5.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 359 | 6.750% | $9,144 | $2,990 |
| conventional | 314 | 6.875% | $6,447 | $3,591 |
| va | 29 | 6.750% | $7,165 | $974 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Ohio | 612 | 6.875% | $7,569 | #43 |
| Georgia | 44 | 7.000% | $9,251 | — |
| Florida | 13 | 7.250% | $10,315 | — |
| South Carolina | 7 | 7.250% | $8,675 | — |
| Texas | 5 | 6.625% | $18,269 | — |
| Tennessee | 3 | 7.000% | $10,356 | — |
| Virginia | 3 | 7.125% | $11,604 | — |
| Indiana | 2 | 7.000% | $10,114 | — |
| Michigan | 2 | 6.812% | $5,232 | — |
| Nevada | 2 | 5.875% | $22,969 | — |
| Oklahoma | 2 | 6.875% | $6,520 | — |
| West Virginia | 2 | 7.125% | $2,888 | — |
| California | 1 | 7.375% | $2,014 | — |
| District of Columbia | 1 | 6.750% | $6,421 | — |
| Illinois | 1 | 6.875% | $13,866 | — |
| Kentucky | 1 | 6.500% | $11,319 | — |
| Massachusetts | 1 | 7.375% | $17,448 | — |
| Maryland | 1 | 6.625% | $19,470 | — |
| North Carolina | 1 | 7.250% | $6,257 | — |
| New Jersey | 1 | 7.250% | $7,058 | — |
| New Mexico | 1 | 6.500% | $12,797 | — |
| Pennsylvania | 1 | 6.875% | $9,150 | — |
| Washington | 1 | 5.375% | $21,340 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,277 | 7.000% | — | 11 | −$1,435 | |
| 2 | $6,721 | 7.125% | — | 20 | −$991 | |
| 3 | $6,902 | 6.875% | — | 12 | −$810 | |
| 4 | $7,066 | 6.875% | — | 13 | −$646 | |
| 5 | $7,165 | 7.000% | — | 17 | −$547 | |
| 6 | $7,269 | 7.000% | — | 21 | −$443 | |
| 7 | $7,325 | 6.875% | — | 52 | −$387 | |
| 8 | $7,380 | 6.750% | — | 31 | −$332 | |
| 9 | $7,484 | 6.875% | — | 74 | −$228 | |
| 10 | $7,559 | 6.995% | — | 24 | −$153 | |
| 11 | $7,569 | 7.000% | — | 5 | −$143 | |
| 12 | $7,570 | 6.625% | — | 6 | −$142 | |
| 13 | $7,576 | 7.062% | — | 18 | −$136 | |
| 14 | $7,637 | 6.750% | — | 172 | −$75 | |
| 15 | $7,900 | 6.938% | — | 10 | +$188 | |
| 16 | $7,949 | 7.000% | — | 19 | +$237 | |
| 17 | $8,784 | 7.125% | — | 4 | +$1,072 | |
| 18 | $8,859 | 6.875% | — | 13 | +$1,147 | |
| 19 | $9,699 | 6.625% | — | 8 | +$1,987 | |
| 20 | $10,059 | 6.750% | — | 5 | +$2,347 |
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 | Liberty Home Mortgage Corporation | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $205,000 | $335,000 | −$130,000 (−38.8%) |
| Median total closing costs | $7,712 | $7,127 | +$585 (+8.2%) |
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.