POLARIS HOME FUNDING CORP. closing costs and rates (2024)
In 2024, POLARIS HOME FUNDING CORP. originated 842 purchase mortgages at a median interest rate of 6.75% and median total closing costs of $8,056. That ranks #423 nationally by origination volume. For total closing costs among lenders with 500+ originations, POLARIS HOME FUNDING CORP. ranks #445. That is $1,315 above the national median of $6,741. POLARIS HOME FUNDING CORP. is most active in Ohio with 596 originations there.
Purchase Originations
842
Ranked #423 nationally
Median Total Costs
$8,056
+19.5% vs national ($6,741)
Median Rate
6.750%
+2.0% vs national (6.620%)
Median Origination
$3,607
Median Lender Credits
$81
Cost Rank (500+ vol.)
#445
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 402 | 6.750% | $9,492 | $3,635 |
| conventional | 256 | 6.995% | $6,194 | $3,669 |
| usda | 127 | 6.750% | $7,313 | $3,373 |
| va | 57 | 6.750% | $8,737 | $4,067 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Ohio | 596 | 6.750% | $8,351 | #40 |
| Kentucky | 115 | 6.750% | $8,237 | #75 |
| Indiana | 85 | 6.750% | $6,892 | #139 |
| West Virginia | 32 | 6.625% | $6,552 | — |
| Michigan | 7 | 7.125% | $6,738 | — |
| Florida | 2 | 6.875% | $9,264 | — |
| Tennessee | 2 | 6.750% | $9,080 | — |
| Georgia | 1 | 7.250% | $14,142 | — |
| Maine | 1 | 7.125% | $19,160 | — |
| Pennsylvania | 1 | 7.625% | $12,504 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,809 | 6.750% | — | 16 | −$2,247 | |
| 2 | $6,263 | 6.750% | — | 77 | −$1,793 | |
| 3 | $6,598 | 6.750% | — | 48 | −$1,458 | |
| 4 | $6,867 | 6.750% | — | 31 | −$1,189 | |
| 5 | $6,894 | 6.625% | — | 14 | −$1,162 | |
| 6 | $7,791 | 6.750% | — | 11 | −$265 | |
| 7 | $7,898 | 6.750% | — | 10 | −$158 | |
| 8 | $8,013 | 6.750% | — | 11 | −$43 | |
| 9 | $8,200 | 6.625% | — | 11 | +$144 | |
| 10 | $8,355 | 6.750% | — | 59 | +$299 | |
| 11 | $8,536 | 6.750% | — | 40 | +$480 | |
| 12 | $8,709 | 6.625% | — | 17 | +$653 | |
| 13 | $8,713 | 6.750% | — | 10 | +$657 | |
| 14 | $8,753 | 6.750% | — | 109 | +$697 | |
| 15 | $9,640 | 6.750% | — | 14 | +$1,584 | |
| 16 | $9,884 | 6.750% | — | 25 | +$1,828 | |
| 17 | $10,215 | 6.625% | — | 11 | +$2,159 | |
| 18 | $10,229 | 6.562% | — | 18 | +$2,173 | |
| 19 | $10,467 | 6.250% | — | 10 | +$2,411 | |
| 20 | $13,158 | 6.750% | — | 12 | +$5,102 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, 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.