Purchase Originations
9,254
Ranked #42 nationally
Median Total Costs
$8,123
+21.6% vs national ($6,680)
↓ $703 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$2,323
Median Lender Credits
$812
Cost Rank (500+ vol.)
#448
among lenders with 500+ originations
Denial Rate
17.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 4,579 | 6.625% | $6,468 | $2,826 |
| fha | 3,290 | 6.490% | $10,910 | $2,050 |
| va | 1,112 | 6.375% | $7,921 | $1,521 |
| usda | 273 | 6.375% | $6,785 | $2,363 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 1,384 | 6.375% | $9,277 | #48 |
| New York | 872 | 6.625% | $9,588 | #26 |
| Florida | 702 | 6.625% | $10,102 | #64 |
| Pennsylvania | 629 | 6.500% | $7,950 | #33 |
| Minnesota | 507 | 6.375% | $6,387 | #30 |
| California | 472 | 6.500% | $12,958 | #80 |
| Indiana | 388 | 6.562% | $4,897 | #47 |
| North Carolina | 355 | 6.375% | $7,409 | #69 |
| Michigan | 354 | 6.625% | $5,136 | #56 |
| Illinois | 309 | 6.625% | $6,362 | #67 |
| Arizona | 254 | 6.433% | $8,031 | #62 |
| Georgia | 244 | 6.490% | $8,666 | #85 |
| Missouri | 201 | 6.750% | $5,098 | #56 |
| South Carolina | 201 | 6.625% | $7,705 | #75 |
| Connecticut | 191 | 6.625% | $9,519 | #31 |
| Oregon | 165 | 6.500% | $11,211 | #50 |
| Iowa | 152 | 6.562% | $5,159 | #46 |
| Colorado | 139 | 6.375% | $8,395 | #96 |
| Kentucky | 139 | 6.500% | $6,362 | #70 |
| Ohio | 137 | 6.625% | $6,620 | #114 |
| New Jersey | 128 | 6.625% | $12,521 | #89 |
| Alabama | 123 | 6.500% | $7,298 | #82 |
| Oklahoma | 109 | 6.500% | $7,082 | #65 |
| New Mexico | 98 | 6.490% | $6,765 | #39 |
| Virginia | 97 | 6.500% | $10,300 | #129 |
| Louisiana | 96 | 6.500% | $8,275 | #59 |
| Washington | 95 | 6.490% | $12,024 | #113 |
| Utah | 89 | 6.375% | $11,237 | #59 |
| Maryland | 76 | 6.625% | $10,759 | #111 |
| Tennessee | 72 | 6.490% | $7,905 | #153 |
| Mississippi | 61 | 6.625% | $6,677 | #65 |
| Massachusetts | 59 | 6.500% | $12,037 | #123 |
| Wisconsin | 48 | 6.500% | $6,033 | — |
| Kansas | 44 | 6.375% | $7,058 | — |
| Wyoming | 38 | 6.375% | $6,437 | — |
| Nevada | 37 | 6.375% | $9,515 | — |
| Hawaii | 34 | 6.495% | $15,397 | — |
| Alaska | 25 | 6.375% | $9,577 | — |
| Arkansas | 19 | 6.500% | $7,442 | — |
| Delaware | 19 | 6.625% | $9,566 | — |
| Montana | 16 | 6.125% | $10,943 | — |
| Idaho | 15 | 6.125% | $12,651 | — |
| North Dakota | 12 | 6.188% | $6,468 | — |
| New Hampshire | 11 | 6.125% | $5,311 | — |
| Nebraska | 10 | 6.625% | $6,650 | — |
| District of Columbia | 8 | 6.750% | $6,097 | — |
| South Dakota | 7 | 6.500% | $5,136 | — |
| Rhode Island | 5 | 6.875% | $6,429 | — |
| West Virginia | 5 | 6.250% | $8,619 | — |
| Maine | 3 | 6.625% | $6,608 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,161 | 6.750% | — | 69 | −$3,962 | |
| 2 | $4,459 | 6.495% | — | 100 | −$3,664 | |
| 3 | $4,578 | 6.625% | — | 67 | −$3,545 | |
| 4 | $4,766 | 6.500% | — | 61 | −$3,357 | |
| 5 | $5,674 | 6.375% | — | 90 | −$2,449 | |
| 6 | $6,811 | 6.500% | — | 60 | −$1,312 | |
| 7 | $7,084 | 6.875% | — | 92 | −$1,039 | |
| 8 | $7,718 | 6.500% | — | 75 | −$405 | |
| 9 | $7,940 | 6.375% | — | 114 | −$183 | |
| 10 | $8,117 | 6.125% | — | 89 | −$6 | |
| 11 | $8,685 | 6.500% | — | 89 | +$562 | |
| 12 | $8,768 | 6.562% | — | 64 | +$645 | |
| 13 | $9,035 | 6.490% | — | 264 | +$912 | |
| 14 | $9,131 | 6.490% | — | 62 | +$1,008 | |
| 15 | $9,595 | 6.125% | — | 69 | +$1,472 | |
| 16 | $9,998 | 6.490% | — | 113 | +$1,875 | |
| 17 | $14,408 | 6.625% | — | 84 | +$6,285 | |
| 18 | $15,800 | 6.688% | — | 70 | +$7,677 | |
| 19 | $15,900 | 6.875% | — | 67 | +$7,777 | |
| 20 | $15,987 | 6.625% | — | 74 | +$7,864 |
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 | Plaza Home Mortgage, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $275,000 | $335,000 | −$60,000 (−17.9%) |
| Median total closing costs | $8,123 | $7,127 | +$996 (+14.0%) |
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.