Purchase Originations
264
Median Total Costs
$6,158
−7.8% vs national ($6,680)
↑ $527 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.365% vs prior year
Median Origination
$2,836
Median Lender Credits
$122
Denial Rate
4.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 203 | 6.625% | $5,875 | $3,095 |
| fha | 46 | 6.750% | $8,625 | $2,263 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Ohio | 264 | 6.625% | $6,158 | #80 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,928 | 6.125% | — | 1 | −$1,230 | |
| 2 | $5,026 | 6.875% | — | 5 | −$1,132 | |
| 3 | $5,149 | 6.750% | — | 17 | −$1,009 | |
| 4 | $5,164 | 6.375% | — | 3 | −$994 | |
| 5 | $5,252 | 6.750% | — | 1 | −$906 | |
| 6 | $5,281 | 7.375% | — | 3 | −$877 | |
| 7 | $5,616 | 6.812% | — | 22 | −$542 | |
| 8 | $5,712 | 6.750% | — | 13 | −$446 | |
| 9 | $5,999 | 6.745% | — | 2 | −$159 | |
| 10 | $6,031 | 6.625% | — | 56 | −$127 | |
| 11 | $6,126 | 5.990% | — | 1 | −$32 | |
| 12 | $6,158 | 6.625% | — | 82 | +$0 | |
| 13 | $6,339 | 6.438% | — | 6 | +$181 | |
| 14 | $6,562 | 7.125% | — | 1 | +$404 | |
| 15 | $7,012 | 7.250% | — | 3 | +$854 | |
| 16 | $7,348 | 6.500% | — | 14 | +$1,190 | |
| 17 | $7,392 | 6.625% | — | 25 | +$1,234 | |
| 18 | $7,638 | 6.125% | — | 3 | +$1,480 | |
| 19 | $9,254 | 5.625% | — | 1 | +$3,096 | |
| 20 | $11,041 | 6.990% | — | 2 | +$4,883 |
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 | Your Home Financial LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $205,000 | $335,000 | −$130,000 (−38.8%) |
| Median total closing costs | $6,158 | $7,127 | −$969 (−13.6%) |
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.