Purchase Originations
494
Median Total Costs
$6,776
+1.4% vs national ($6,680)
↓ $178 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$2,875
Median Lender Credits
$271
Denial Rate
2.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 400 | 6.625% | $6,518 | $2,981 |
| fha | 67 | 6.250% | $12,048 | $2,555 |
| va | 23 | 6.250% | $6,184 | $2,110 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Georgia | 452 | 6.500% | $6,816 | #52 |
| Alabama | 19 | 6.625% | $5,512 | — |
| South Carolina | 15 | 6.250% | $7,896 | — |
| Florida | 3 | 6.750% | $5,983 | — |
| North Carolina | 3 | 6.375% | $5,899 | — |
| Tennessee | 2 | 6.812% | $5,572 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,179 | 6.875% | — | 3 | −$1,597 | |
| 2 | $5,529 | 6.688% | — | 12 | −$1,247 | |
| 3 | $6,224 | 6.375% | — | 3 | −$552 | |
| 4 | $6,243 | 6.875% | — | 3 | −$533 | |
| 5 | $6,263 | 6.500% | — | 57 | −$513 | |
| 6 | $6,409 | 6.500% | — | 62 | −$367 | |
| 7 | $6,443 | 6.625% | — | 19 | −$333 | |
| 8 | $6,717 | 6.875% | — | 3 | −$59 | |
| 9 | $6,727 | 6.625% | — | 38 | −$49 | |
| 10 | $6,782 | 6.500% | — | 67 | +$6 | |
| 11 | $6,922 | 6.625% | — | 111 | +$146 | |
| 12 | $6,926 | 6.875% | — | 3 | +$150 | |
| 13 | $6,946 | 6.125% | — | 7 | +$170 | |
| 14 | $7,106 | 6.500% | — | 5 | +$330 | |
| 15 | $7,152 | 6.250% | — | 11 | +$376 | |
| 16 | $7,189 | 6.625% | — | 33 | +$413 | |
| 17 | $8,235 | 6.562% | — | 4 | +$1,459 | |
| 18 | $8,654 | 6.625% | — | 5 | +$1,878 | |
| 19 | $9,055 | 6.062% | — | 4 | +$2,279 | |
| 20 | $10,755 | 5.990% | — | 3 | +$3,979 |
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 | Onward Home Mortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $405,000 | $335,000 | +$70,000 (+20.9%) |
| Median total closing costs | $6,776 | $7,127 | −$351 (−4.9%) |
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.