Homebridge Financial Services, Inc.: 2025 mortgage rates, costs & approvals
How Homebridge Financial Services, Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: HOMEBRIDGE FINANCIAL SERVICES, INC. · LEI 5493001WHVQBGRSWEU75
In 2025, Homebridge Financial Services, Inc. originated 4,015 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 51 states — 165th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.75% (all lenders: 6.625%); its median rate spread was 28 basis points above the national median. Median conventional loan costs were $9,880, 77% higher than the national median ($5,570).
It denied 29.4% of completed home-purchase applications (all lenders: 8.5%).
How Homebridge Financial Services, Inc. priced home-purchase loans
| Purchase loans, 2025 | Homebridge Financial Services, Inc. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.750% | 6.625% |
| 30-year fixed rate · FHA | 5.990% | 6.250% |
| 30-year fixed rate · VA | 6.250% | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.41 pts | +0.13 pts |
| Total loan costs · conventional | $9,880 | $5,570 |
| Total loan costs · FHA | $14,670 | $11,310 |
| Total loan costs · VA | $8,870 | $6,490 |
| Origination charges (all types) | $4,660 | $1,860 |
| Borrowers paying discount points | 54.0% | 51.3% |
| Points paid, when paid (% of loan) | 0.70% | 0.87% |
| Borrowers receiving lender credits | 42.7% | 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
By purpose
Why Homebridge Financial Services, Inc. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Homebridge Financial Services, Inc. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| California | 655 | 1,001 | 28.8% | 6.625% | $11,100 |
| New York | 480 | 733 | 31.3% | 6.625% | $13,140 |
| Florida | 389 | 588 | 29.2% | 6.750% | $7,350 |
| Texas | 334 | 474 | 21.9% | 6.750% | $8,750 |
| New Jersey | 193 | 305 | 34.0% | 6.875% | $10,770 |
| Georgia | 139 | 232 | 34.6% | 6.875% | $10,560 |
| Arizona | 127 | 170 | 18.2% | 6.750% | $8,690 |
| Colorado | 122 | 168 | 24.8% | 6.625% | $6,640 |
| Virginia | 105 | 163 | 31.7% | — | — |
| Maryland | 97 | 159 | 34.3% | 6.500% | $5,650 |
| North Carolina | 97 | 158 | 32.0% | — | — |
| Tennessee | 76 | 133 | 43.5% | — | — |
| Pennsylvania | 75 | 112 | 28.9% | — | — |
| Wisconsin | 73 | 113 | 34.0% | — | — |
| Ohio | 69 | 114 | 45.8% | — | — |
| Connecticut | 69 | 101 | 32.8% | 6.990% | $7,490 |
| Louisiana | 65 | 90 | 23.9% | 6.375% | $9,090 |
| Alabama | 59 | 90 | 22.2% | — | — |
| Hawaii | 57 | 87 | 28.6% | — | — |
| New Mexico | 57 | 83 | 29.5% | — | — |
| Missouri | 54 | 76 | — | — | — |
| South Carolina | 50 | 67 | 20.0% | — | — |
| Washington | 49 | 75 | 28.6% | — | — |
| Indiana | 46 | 79 | 27.6% | — | — |
| Massachusetts | 43 | 77 | 41.7% | — | — |
| Oregon | 42 | 67 | — | — | — |
| Kentucky | 41 | 63 | — | — | — |
| Maine | 37 | 51 | 32.4% | — | — |
| Nevada | 36 | 64 | 20.0% | — | — |
| Michigan | 30 | 61 | 33.3% | — | — |
| Utah | 27 | 37 | — | — | — |
| Mississippi | 24 | 31 | — | — | — |
| Arkansas | 23 | 42 | — | — | — |
| New Hampshire | 20 | 28 | — | — | — |
| Oklahoma | 20 | 27 | — | — | — |
| Minnesota | 18 | 37 | — | — | — |
| Illinois | 16 | 41 | 56.5% | — | — |
| Vermont | 16 | 21 | — | — | — |
| Idaho | 13 | 14 | — | — | — |
| West Virginia | 12 | 18 | — | — | — |
| Delaware | 11 | 24 | — | — | — |
| Iowa | 10 | 21 | — | — | — |
| Rhode Island | 9 | 11 | — | — | — |
| Kansas | 7 | 12 | — | — | — |
| North Dakota | 7 | 11 | — | — | — |
| Montana | 6 | 11 | — | — | — |
| Nebraska | 5 | 11 | — | — | — |
| Alaska | 2 | 3 | — | — | — |
| Wyoming | 1 | 6 | — | — | — |
| District of Columbia | 1 | 3 | — | — | — |
| South Dakota | 1 | 3 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Homebridge Financial Services, Inc.'s page for that state.
Counties where Homebridge Financial Services, Inc. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Herkimer County, NY | 6 | 26 | 5.7% |
| Renville County, ND | 7 | 1 | 3.7% |
| Lincoln County, NV | 9 | 1 | 2.6% |
| Big Horn County, MT | 11 | 1 | 2.4% |
| Musselshell County, MT | 11 | 1 | 2.2% |
| Webb County, TX | 10 | 44 | 2.1% |
| Rockcastle County, KY | 12 | 2 | 2.0% |
| Huerfano County, CO | 12 | 1 | 1.8% |
| Wilkinson County, GA | 11 | 1 | 1.6% |
| Coosa County, AL | 12 | 1 | 1.5% |
| Perry County, TN | 17 | 1 | 1.4% |
| Putnam County, NY | 14 | 14 | 1.3% |
| McLean County, KY | 10 | 1 | 1.3% |
| Reeves County, TX | 15 | 1 | 1.3% |
| Burleson County, TX | 19 | 3 | 1.3% |
Check Homebridge Financial Services, Inc. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493001WHVQBGRSWEU75.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Homebridge Financial Services, Inc. with similar 2025 loans.
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