Purchase Originations
150
Median Total Costs
$8,542
+27.9% vs national ($6,680)
↑ $114 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,333
Median Lender Credits
$263
Denial Rate
4.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 105 | 6.375% | $9,093 | $1,361 |
| conventional | 23 | 6.625% | $4,717 | $2,127 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 21 | 6.125% | $8,808 | — |
| Missouri | 19 | 6.375% | $7,512 | — |
| Arizona | 18 | 6.000% | $13,963 | — |
| Florida | 12 | 6.438% | $10,202 | — |
| North Carolina | 10 | 6.438% | $8,383 | — |
| Virginia | 8 | 6.500% | $9,279 | — |
| Illinois | 7 | 6.500% | $5,918 | — |
| Kansas | 6 | 6.250% | $8,517 | — |
| Nebraska | 6 | 6.562% | $8,042 | — |
| Oklahoma | 6 | 6.062% | $5,718 | — |
| Tennessee | 6 | 6.562% | $8,257 | — |
| Minnesota | 4 | 6.000% | $9,269 | — |
| South Carolina | 4 | 6.562% | $7,611 | — |
| Arkansas | 3 | 6.625% | $3,142 | — |
| Ohio | 3 | 6.125% | $8,221 | — |
| Oregon | 3 | 6.125% | $11,926 | — |
| Colorado | 2 | 6.750% | $10,018 | — |
| Delaware | 2 | 6.750% | $8,738 | — |
| Mississippi | 2 | 6.562% | $6,501 | — |
| Wisconsin | 2 | 6.625% | $6,058 | — |
| California | 1 | 6.625% | $10,566 | — |
| Georgia | 1 | 6.500% | $8,573 | — |
| Iowa | 1 | 6.500% | $7,215 | — |
| Indiana | 1 | 6.125% | $6,187 | — |
| Michigan | 1 | 6.625% | $8,068 | — |
| Montana | 1 | 6.125% | $12,905 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,839 | 6.438% | — | 2 | −$3,703 | |
| 2 | $5,870 | 5.875% | — | 2 | −$2,672 | |
| 3 | $6,033 | 6.500% | — | 3 | −$2,509 | |
| 4 | $6,595 | 6.125% | — | 3 | −$1,947 | |
| 5 | $7,487 | 6.500% | — | 3 | −$1,055 | |
| 6 | $8,025 | 6.125% | — | 3 | −$517 | |
| 7 | $8,030 | 6.562% | — | 2 | −$512 | |
| 8 | $8,115 | 6.500% | — | 3 | −$427 | |
| 9 | $8,738 | 6.750% | — | 2 | +$196 | |
| 10 | $8,768 | 6.562% | — | 4 | +$226 | |
| 11 | $8,808 | 6.125% | — | 3 | +$266 | |
| 12 | $9,642 | 6.500% | — | 4 | +$1,100 | |
| 13 | $9,848 | 6.500% | — | 5 | +$1,306 | |
| 14 | $9,929 | 6.250% | — | 2 | +$1,387 | |
| 15 | $10,677 | 6.062% | — | 2 | +$2,135 | |
| 16 | $10,925 | 6.125% | — | 3 | +$2,383 | |
| 17 | $12,598 | 6.062% | — | 12 | +$4,056 | |
| 18 | $13,104 | 6.125% | — | 2 | +$4,562 | |
| 19 | $17,828 | 6.312% | — | 4 | +$9,286 | |
| 20 | $19,381 | 6.000% | — | 4 | +$10,839 |
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 | TruHome Solutions, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $275,000 | $335,000 | −$60,000 (−17.9%) |
| Median total closing costs | $8,542 | $7,127 | +$1,415 (+19.9%) |
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.