Purchase Originations
375
Median Total Costs
$6,567
−1.7% vs national ($6,680)
↑ $420 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.365% vs prior year
Median Origination
$1,595
Median Lender Credits
$81
Denial Rate
1.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 351 | 6.750% | $6,552 | $1,595 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Illinois | 316 | 6.750% | $6,659 | #64 |
| Tennessee | 18 | 6.500% | $5,075 | — |
| Indiana | 9 | 6.500% | $3,659 | — |
| Florida | 7 | 6.625% | $6,358 | — |
| Minnesota | 7 | 6.500% | $4,725 | — |
| Ohio | 4 | 6.500% | $4,759 | — |
| South Carolina | 3 | 6.875% | $4,755 | — |
| Wisconsin | 3 | 6.875% | $3,961 | — |
| Michigan | 2 | 6.499% | $7,964 | — |
| Alabama | 1 | 6.250% | $8,242 | — |
| Arizona | 1 | 6.000% | $3,971 | — |
| California | 1 | 6.375% | $8,308 | — |
| Colorado | 1 | 5.875% | $4,162 | — |
| Georgia | 1 | 6.625% | $5,932 | — |
| Texas | 1 | 6.250% | $9,178 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,330 | 6.500% | — | 7 | −$3,237 | |
| 2 | $3,655 | 7.000% | — | 2 | −$2,912 | |
| 3 | $3,971 | 6.000% | — | 1 | −$2,596 | |
| 4 | $4,342 | 6.500% | — | 5 | −$2,225 | |
| 5 | $4,357 | 6.500% | — | 1 | −$2,210 | |
| 6 | $4,476 | 6.750% | — | 2 | −$2,091 | |
| 7 | $4,725 | 6.375% | — | 3 | −$1,842 | |
| 8 | $4,759 | 6.500% | — | 4 | −$1,808 | |
| 9 | $5,452 | 6.312% | — | 2 | −$1,115 | |
| 10 | $5,932 | 6.625% | — | 1 | −$635 | |
| 11 | $6,117 | 6.750% | — | 3 | −$450 | |
| 12 | $6,517 | 6.625% | — | 71 | −$50 | |
| 13 | $6,582 | 6.500% | — | 9 | +$15 | |
| 14 | $6,660 | 6.875% | — | 8 | +$93 | |
| 15 | $6,677 | 6.750% | — | 29 | +$110 | |
| 16 | $6,691 | 6.624% | — | 2 | +$124 | |
| 17 | $6,709 | 6.750% | — | 183 | +$142 | |
| 18 | $7,828 | 6.875% | — | 9 | +$1,261 | |
| 19 | $9,504 | 6.683% | — | 2 | +$2,937 | |
| 20 | $14,989 | 6.500% | — | 3 | +$8,422 |
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 | United Home Loans, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $375,000 | $335,000 | +$40,000 (+11.9%) |
| Median total closing costs | $6,567 | $7,127 | −$560 (−7.9%) |
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.