Purchase Originations
24,566
Ranked #18 nationally
Median Total Costs
$7,340
+9.9% vs national ($6,680)
↑ $306 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$2,766
Median Lender Credits
$1,221
Cost Rank (500+ vol.)
#395
among lenders with 500+ originations
Denial Rate
4.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 16,058 | 6.625% | $6,026 | $2,629 |
| fha | 5,831 | 6.375% | $10,990 | $3,100 |
| va | 2,069 | 6.375% | $8,996 | $2,681 |
| usda | 608 | 6.500% | $7,270 | $2,857 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Ohio | 3,596 | 6.750% | $6,592 | #5 |
| Michigan | 2,479 | 6.875% | $5,873 | #4 |
| Texas | 2,404 | 6.250% | $11,130 | #22 |
| Florida | 1,664 | 6.500% | $9,205 | #27 |
| Indiana | 1,558 | 6.625% | $4,854 | #9 |
| Pennsylvania | 1,423 | 6.625% | $8,054 | #13 |
| North Carolina | 1,273 | 6.500% | $7,415 | #23 |
| Illinois | 1,003 | 6.750% | $6,962 | #20 |
| Tennessee | 879 | 6.375% | $7,877 | #15 |
| Kentucky | 744 | 6.500% | $5,493 | #8 |
| Alabama | 664 | 6.500% | $7,818 | #20 |
| California | 586 | 6.125% | $11,886 | #69 |
| New Jersey | 561 | 6.500% | $10,407 | #30 |
| Georgia | 539 | 6.500% | $8,857 | #46 |
| Oregon | 461 | 6.500% | $8,197 | #24 |
| Colorado | 456 | 6.500% | $5,853 | #34 |
| Wisconsin | 418 | 6.625% | $4,267 | #34 |
| Virginia | 408 | 6.500% | $9,385 | #50 |
| Arizona | 401 | 6.500% | $7,644 | #48 |
| Minnesota | 281 | 6.500% | $6,189 | #50 |
| South Carolina | 276 | 6.500% | $7,753 | #63 |
| Connecticut | 262 | 6.625% | $9,258 | #22 |
| Kansas | 204 | 6.500% | $6,002 | #34 |
| Washington | 200 | 6.375% | $7,141 | #64 |
| Louisiana | 196 | 6.438% | $5,327 | #38 |
| Maryland | 195 | 6.625% | $9,625 | #63 |
| Oklahoma | 185 | 6.500% | $7,324 | #45 |
| Missouri | 178 | 6.625% | $4,747 | #63 |
| Mississippi | 173 | 6.250% | $6,908 | #30 |
| Massachusetts | 121 | 6.375% | $8,588 | #82 |
| Montana | 107 | 6.375% | $11,429 | #18 |
| Nebraska | 96 | 6.500% | $3,893 | #41 |
| New Mexico | 74 | 6.625% | $5,837 | #50 |
| West Virginia | 73 | 6.375% | $6,785 | #42 |
| Utah | 66 | 5.990% | $9,043 | #71 |
| Arkansas | 64 | 6.375% | $5,089 | #84 |
| Idaho | 58 | 6.250% | $12,218 | #63 |
| Delaware | 52 | 6.625% | $6,073 | #42 |
| Wyoming | 45 | 6.500% | $9,144 | — |
| Nevada | 44 | 6.250% | $10,286 | — |
| Iowa | 23 | 6.500% | $4,924 | — |
| North Dakota | 20 | 5.990% | $8,430 | — |
| South Dakota | 16 | 6.125% | $7,593 | — |
| New Hampshire | 15 | 6.375% | $8,882 | — |
| District of Columbia | 8 | 6.625% | $6,010 | — |
| Rhode Island | 8 | 6.312% | $8,703 | — |
| Alaska | 5 | 6.125% | $11,358 | — |
| Maine | 3 | 6.250% | $10,498 | — |
| Vermont | 1 | 5.625% | $14,171 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,419 | 6.625% | — | 267 | −$2,921 | |
| 2 | $5,120 | 6.750% | — | 246 | −$2,220 | |
| 3 | $5,130 | 6.875% | — | 241 | −$2,210 | |
| 4 | $5,541 | 6.625% | — | 302 | −$1,799 | |
| 5 | $5,651 | 6.875% | — | 207 | −$1,689 | |
| 6 | $6,069 | 6.750% | — | 318 | −$1,271 | |
| 7 | $6,191 | 6.875% | — | 213 | −$1,149 | |
| 8 | $6,267 | 6.750% | — | 378 | −$1,073 | |
| 9 | $6,318 | 6.875% | — | 227 | −$1,022 | |
| 10 | $6,738 | 6.875% | — | 195 | −$602 | |
| 11 | $7,089 | 6.750% | — | 563 | −$251 | |
| 12 | $7,286 | 6.500% | — | 211 | −$54 | |
| 13 | $7,954 | 6.500% | — | 275 | +$614 | |
| 14 | $8,375 | 6.500% | — | 281 | +$1,035 | |
| 15 | $8,615 | 6.625% | — | 190 | +$1,275 | |
| 16 | $9,429 | 6.500% | — | 217 | +$2,089 | |
| 17 | $10,441 | 6.500% | — | 372 | +$3,101 | |
| 18 | $11,152 | 5.490% | — | 320 | +$3,812 | |
| 19 | $12,760 | 6.375% | — | 168 | +$5,420 | |
| 20 | $13,328 | 5.875% | — | 253 | +$5,988 |
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 | Union Home Mortgage Corp. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $7,340 | $7,127 | +$213 (+3.0%) |
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.