Purchase Originations
170
Median Total Costs
$6,801
+1.8% vs national ($6,680)
↓ $138 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,780
Median Lender Credits
$399
Denial Rate
1.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 134 | 6.625% | $6,374 | $1,780 |
| fha | 30 | 6.125% | $11,732 | $1,780 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 170 | 6.500% | $6,801 | #222 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,183 | 6.375% | — | 1 | −$2,618 | |
| 2 | $5,068 | 6.625% | — | 3 | −$1,733 | |
| 3 | $5,180 | 6.250% | — | 3 | −$1,621 | |
| 4 | $5,357 | 7.125% | — | 1 | −$1,444 | |
| 5 | $5,377 | 5.990% | — | 1 | −$1,424 | |
| 6 | $5,567 | 6.625% | — | 1 | −$1,234 | |
| 7 | $5,636 | 6.625% | — | 1 | −$1,165 | |
| 8 | $5,843 | 6.375% | — | 1 | −$958 | |
| 9 | $5,885 | 6.990% | — | 1 | −$916 | |
| 10 | $5,950 | 6.375% | — | 3 | −$851 | |
| 11 | $6,409 | 6.375% | — | 1 | −$392 | |
| 12 | $7,108 | 6.562% | — | 6 | +$307 | |
| 13 | $7,163 | 6.500% | — | 131 | +$362 | |
| 14 | $7,173 | 6.125% | — | 1 | +$372 | |
| 15 | $7,199 | 6.870% | — | 2 | +$398 | |
| 16 | $7,400 | 6.375% | — | 3 | +$599 | |
| 17 | $7,812 | 6.875% | — | 1 | +$1,011 | |
| 18 | $8,420 | 6.125% | — | 6 | +$1,619 | |
| 19 | $11,146 | 7.125% | — | 1 | +$4,345 | |
| 20 | $11,685 | 5.500% | — | 1 | +$4,884 |
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 | LRS Financial Network, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $365,000 | $335,000 | +$30,000 (+9.0%) |
| Median total closing costs | $6,801 | $7,127 | −$326 (−4.6%) |
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.