Purchase Originations
224
Median Total Costs
$4,728
−29.2% vs national ($6,680)
Median Rate
5.433%
−16.3% vs national (6.490%)
Median Origination
$0
Median Lender Credits
$75
Denial Rate
0.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| va | 141 | 5.250% | $5,429 | $0 |
| fha | 59 | 4.990% | $4,930 | $0 |
| conventional | 21 | 6.000% | $0 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 224 | 5.433% | $4,728 | #191 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $296 | 4.990% | — | 3 | −$4,432 | |
| 2 | $3,889 | 5.240% | — | 4 | −$839 | |
| 3 | $4,334 | 5.490% | — | 138 | −$394 | |
| 4 | $4,897 | 4.990% | — | 25 | +$169 | |
| 5 | $6,187 | 4.990% | — | 54 | +$1,459 |
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 | SPARK MORTGAGE, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $315,000 | $335,000 | −$20,000 (−6.0%) |
| Median total closing costs | $4,728 | $7,127 | −$2,399 (−33.7%) |
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.