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

HFG Holdings, LLC: 2025 mortgage rates, costs & approvals

How HFG Holdings, LLC priced and approved home loans in 2025, measured against every lender in the official HMDA records.

HMDA legal name: HFG HOLDINGS, LLC · LEI 549300Z5MYEIE55LLY49

In 2025, HFG Holdings, LLC originated 0 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 8 states — 2017th by volume among the 2,017 lenders profiled here.

It denied 100.0% of completed home-purchase applications (all lenders: 8.5%).

Loans
0
of 374 applications
Denial rate
100.0%
Purchase · all 8.5%
30-yr fixed rate
—
Conv. · all 6.625%
Loan costs
—
Conv. · all $5,570
Loan amount
—
Purchase · all $335,000
Borrower income
—
Purchase · all $116,000

How HFG Holdings, LLC priced home-purchase loans

Purchase loans, 2025HFG Holdings, LLCAll lenders
30-year fixed rate · conventional—6.625%
30-year fixed rate · FHA—6.250%
30-year fixed rate · VA—6.125%
15-year fixed rate · conventional—5.875%
Rate spread vs. APOR · conventional—+0.13 pts
Total loan costs · conventional—$5,570
Total loan costs · FHA—$11,310
Total loan costs · VA—$6,490
Origination charges (all types)—$1,860
Borrowers paying discount points—51.3%
Points paid, when paid (% of loan)—0.87%
Borrowers receiving lender credits—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

Home value
—
Median, purchase loans
Down payment
—
All lenders 10%
Refi rate
—
30-yr fixed, conventional
Refi denial rate
96.8%
Cash-out 100.0%

Why HFG Holdings, LLC denied purchase applications

Credit history 49.7% 99
Debt-to-income ratio 35.2% 70
Insufficient cash (down payment/closing costs) 10.6% 21
Unverifiable information 2.0% 4
Collateral (appraisal/property) 1.5% 3
Employment history 0.5% 1
Other 0.5% 1

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

Where HFG Holdings, LLC lends

StateLoansApplicationsPurchase denial rate30-yr rate*Loan costs*
Michigan0162100.0%——
Pennsylvania055100.0%——
Florida049100.0%——
Ohio037100.0%——
Tennessee032———
Colorado028———
Minnesota09———
Texas02———

*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open HFG Holdings, LLC's page for that state.

Check HFG Holdings, LLC 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