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%).
How Consumer Real Estate Finance Co. priced home-purchase loans
| Purchase loans, 2025 | Consumer Real Estate Finance Co. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.750% | 6.250% |
| 30-year fixed rate · VA | 7.125% | 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 points | 57.0% | 51.3% |
| Points paid, when paid (% of loan) | 0.78% | 0.87% |
| Borrowers receiving lender credits | 34.6% | 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
By purpose
Why Consumer Real Estate Finance Co. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Consumer Real Estate Finance Co. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Illinois | 217 | 294 | 26.0% | 6.625% | $6,260 |
| Wisconsin | 103 | 122 | 15.4% | 6.625% | $3,620 |
| Ohio | 102 | 146 | 29.1% | 6.500% | $4,620 |
| Florida | 65 | 86 | 25.3% | 6.750% | $5,660 |
| Pennsylvania | 47 | 82 | 42.5% | — | — |
| Missouri | 40 | 60 | 32.2% | — | — |
| Indiana | 38 | 61 | 38.3% | — | — |
| Michigan | 34 | 58 | 39.3% | — | — |
| Texas | 34 | 49 | 29.2% | — | — |
| Minnesota | 33 | 39 | 10.8% | — | $4,460 |
| Alabama | 28 | 43 | 34.9% | — | — |
| Arkansas | 24 | 33 | 27.3% | — | — |
| Kentucky | 23 | 47 | 51.1% | — | — |
| Mississippi | 22 | 45 | 51.1% | — | — |
| West Virginia | 22 | 35 | 37.1% | — | — |
| Iowa | 21 | 33 | 36.4% | — | — |
| Oklahoma | 20 | 38 | 47.4% | — | — |
| Louisiana | 20 | 35 | 42.9% | — | — |
| South Carolina | 20 | 32 | 38.7% | — | — |
| Tennessee | 18 | 38 | 52.6% | — | — |
| Virginia | 16 | 23 | 27.3% | — | — |
| Georgia | 15 | 22 | 30.0% | — | — |
| North Carolina | 12 | 22 | 45.5% | — | — |
| Kansas | 12 | 21 | 42.9% | — | — |
| Maine | 4 | 7 | — | — | — |
| Maryland | 3 | 6 | — | — | — |
| Colorado | 1 | 2 | — | — | — |
| Connecticut | 1 | 2 | — | — | — |
| New Hampshire | 1 | 1 | — | — | — |
| Massachusetts | 0 | 2 | — | — | — |
| New Jersey | 0 | 1 | — | — | — |
*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
| County | Rank | Loans | Market share |
|---|---|---|---|
| Alfalfa County, OK | 7 | 1 | 5.6% |
| Schuyler County, MO | 9 | 1 | 4.5% |
| Kinney County, TX | 14 | 1 | 4.3% |
| San Saba County, TX | 15 | 1 | 4.0% |
| La Crosse County, WI | 3 | 60 | 3.9% |
| Forest County, PA | 12 | 1 | 3.9% |
| Martin County, KY | 9 | 1 | 3.7% |
| Coal County, OK | 15 | 1 | 3.3% |
| Lincoln County, WV | 12 | 2 | 2.8% |
| Barbour County, WV | 9 | 2 | 2.7% |
| Franklin Parish, LA | 12 | 2 | 2.2% |
| Mississippi County, MO | 14 | 2 | 2.2% |
| Blackford County, IN | 13 | 3 | 2.2% |
| Turner County, GA | 19 | 1 | 2.1% |
| Taylor County, IA | 21 | 1 | 2.0% |
Check Consumer Real Estate Finance Co. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300PJ2WT35S77Q208.
- 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 Consumer Real Estate Finance Co. 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