Mortgage by CountyWhat home buyers actually paid, county by county

Independent analysis of official mortgage recordsHMDA 2025 · 7,155,718 applications

Lender profile · HMDA 2025

Consumer Real Estate Finance Co.: 2025 mortgage rates, costs & approvals

How Consumer Real Estate Finance Co. priced and approved home loans in 2025, measured against every lender in the official HMDA records.

HMDA legal name: CONSUMER REAL ESTATE FINANCE CO. · LEI 549300PJ2WT35S77Q208

In 2025, Consumer Real Estate Finance Co. originated 996 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 31 states — 463rd by volume among the 2,017 lenders profiled here.

On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 37 basis points above the national median. Median conventional loan costs were $5,110, 8% lower than the national median ($5,570).

It denied 32.6% of completed home-purchase applications (all lenders: 8.5%).

Loans
996
of 1,485 applications
Denial rate
32.6%
Purchase · all 8.5%
30-yr fixed rate
6.625%
Conv. · all 6.625%
Loan costs
$5,110
Conv. · all $5,570
Loan amount
$185,000
Purchase · all $335,000
Borrower income
$71,000
Purchase · all $116,000

How Consumer Real Estate Finance Co. priced home-purchase loans

Purchase loans, 2025Consumer Real Estate Finance Co.All lenders
30-year fixed rate · conventional6.625%6.625%
30-year fixed rate · FHA6.750%6.250%
30-year fixed rate · VA7.125%6.125%
15-year fixed rate · conventional—5.875%
Rate spread vs. APOR · conventional+0.50 pts+0.13 pts
Total loan costs · conventional$5,110$5,570
Total loan costs · FHA$8,670$11,310
Total loan costs · VA$9,440$6,490
Origination charges (all types)$1,970$1,860
Borrowers paying discount points57.0%51.3%
Points paid, when paid (% of loan)0.78%0.87%
Borrowers receiving lender credits34.6%33.1%

Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.

Loan mix and borrowers

By loan type

Conventional 39.2% 390
FHA 37.0% 369
VA 2.5% 25
USDA 21.3% 212

By purpose

Home purchase 98.0% 976
Refinance 2.0% 20
Home value
$205,000
Median, purchase loans
Down payment
3.5%
All lenders 10%
Refi rate
—
30-yr fixed, conventional
Refi denial rate
41.2%
Cash-out —

Why Consumer Real Estate Finance Co. denied purchase applications

Credit application incomplete 23.3% 110
Other 22.4% 106
Debt-to-income ratio 17.1% 81
Collateral (appraisal/property) 15.2% 72
Credit history 8.7% 41
Employment history 4.9% 23
Insufficient cash (down payment/closing costs) 4.9% 23
Unverifiable information 2.7% 13
Mortgage insurance denied 0.8% 4

First reason the lender reported for each denied home-purchase application.

Where Consumer Real Estate Finance Co. lends

StateLoansApplicationsPurchase denial rate30-yr rate*Loan costs*
Illinois21729426.0%6.625%$6,260
Wisconsin10312215.4%6.625%$3,620
Ohio10214629.1%6.500%$4,620
Florida658625.3%6.750%$5,660
Pennsylvania478242.5%——
Missouri406032.2%——
Indiana386138.3%——
Michigan345839.3%——
Texas344929.2%——
Minnesota333910.8%—$4,460
Alabama284334.9%——
Arkansas243327.3%——
Kentucky234751.1%——
Mississippi224551.1%——
West Virginia223537.1%——
Iowa213336.4%——
Oklahoma203847.4%——
Louisiana203542.9%——
South Carolina203238.7%——
Tennessee183852.6%——
Virginia162327.3%——
Georgia152230.0%——
North Carolina122245.5%——
Kansas122142.9%——
Maine47———
Maryland36———
Colorado12———
Connecticut12———
New Hampshire11———
Massachusetts02———
New Jersey01———

*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Consumer Real Estate Finance Co.'s page for that state.

Counties where Consumer Real Estate Finance Co. is a top lender

Check Consumer Real Estate Finance Co. yourself

This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.

Lenders of similar size

Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology