Purchase Originations
862
Ranked #424 nationally
Median Total Costs
$7,172
+7.4% vs national ($6,680)
↓ $884 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$2,944
Median Lender Credits
$150
Cost Rank (500+ vol.)
#383
among lenders with 500+ originations
Denial Rate
5.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 402 | 6.625% | $8,677 | $3,126 |
| conventional | 296 | 6.750% | $5,115 | $2,752 |
| usda | 111 | 6.500% | $6,639 | $2,769 |
| va | 53 | 6.625% | $6,783 | $2,998 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,579 | 6.812% | — | 14 | −$2,593 | |
| 2 | $5,220 | 6.500% | — | 12 | −$1,952 | |
| 3 | $5,284 | 6.688% | — | 100 | −$1,888 | |
| 4 | $5,645 | 6.500% | — | 35 | −$1,527 | |
| 5 | $6,105 | 6.688% | — | 16 | −$1,067 | |
| 6 | $6,342 | 6.750% | — | 44 | −$830 | |
| 7 | $6,674 | 6.875% | — | 9 | −$498 | |
| 8 | $6,697 | 6.750% | — | 13 | −$475 | |
| 9 | $6,735 | 6.750% | — | 21 | −$437 | |
| 10 | $6,852 | 6.750% | — | 39 | −$320 | |
| 11 | $6,858 | 6.688% | — | 12 | −$314 | |
| 12 | $7,339 | 6.500% | — | 19 | +$167 | |
| 13 | $7,531 | 6.625% | — | 15 | +$359 | |
| 14 | $7,575 | 6.750% | — | 11 | +$403 | |
| 15 | $7,604 | 6.750% | — | 117 | +$432 | |
| 16 | $8,284 | 6.750% | — | 9 | +$1,112 | |
| 17 | $8,505 | 6.875% | — | 17 | +$1,333 | |
| 18 | $8,789 | 6.375% | — | 47 | +$1,617 | |
| 19 | $9,196 | 6.875% | — | 9 | +$2,024 | |
| 20 | $9,608 | 6.812% | — | 28 | +$2,436 |
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 | Polaris Home Funding Corp. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $185,000 | $335,000 | −$150,000 (−44.8%) |
| Median total closing costs | $7,172 | $7,127 | +$45 (+0.6%) |
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.