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

PFN Lending Group, Inc.: 2025 mortgage rates, costs & approvals

How PFN Lending Group, Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.

HMDA legal name: PFN Lending Group, Inc. · LEI 54930091CYUK2SDZ6D37

In 2025, PFN Lending Group, Inc. originated 573 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 29 states — 673rd 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 21 basis points above the national median. Median conventional loan costs were $9,940, 78% higher than the national median ($5,570).

It denied 12.1% of completed home-purchase applications (all lenders: 8.5%).

Loans
573
of 672 applications
Denial rate
12.1%
Purchase · all 8.5%
30-yr fixed rate
6.75%
Conv. · all 6.625%
Loan costs
$9,940
Conv. · all $5,570
Loan amount
$405,000
Purchase · all $335,000
Borrower income
$129,000
Purchase · all $116,000

How PFN Lending Group, Inc. priced home-purchase loans

Purchase loans, 2025PFN Lending Group, Inc.All lenders
30-year fixed rate · conventional6.750%6.625%
30-year fixed rate · FHA5.990%6.250%
30-year fixed rate · VA—6.125%
15-year fixed rate · conventional—5.875%
Rate spread vs. APOR · conventional+0.34 pts+0.13 pts
Total loan costs · conventional$9,940$5,570
Total loan costs · FHA$13,470$11,310
Total loan costs · VA—$6,490
Origination charges (all types)$4,470$1,860
Borrowers paying discount points67.6%51.3%
Points paid, when paid (% of loan)1.00%0.87%
Borrowers receiving lender credits38.1%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 73.5% 421
FHA 23.2% 133
VA 3.1% 18
USDA 0.2% 1

By purpose

Home purchase 78.5% 450
Refinance 9.6% 55
Cash-out refinance 11.9% 68
Home value
$465,000
Median, purchase loans
Down payment
10%
All lenders 10%
Refi rate
6.625%
30-yr fixed, conventional
Refi denial rate
20.3%
Cash-out 23.3%

Why PFN Lending Group, Inc. denied purchase applications

Debt-to-income ratio 27.4% 17
Other 24.2% 15
Collateral (appraisal/property) 21.0% 13
Insufficient cash (down payment/closing costs) 11.3% 7
Unverifiable information 8.1% 5
Credit history 6.5% 4
Employment history 1.6% 1

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

Where PFN Lending Group, Inc. lends

StateLoansApplicationsPurchase denial rate30-yr rate*Loan costs*
California19122411.2%6.875%$10,820
Florida1501709.6%6.375%$11,270
Texas728614.5%6.490%$9,090
Michigan66714.8%6.875%$4,310
Nevada1012———
Tennessee1011———
New Jersey810———
Pennsylvania810———
Louisiana89———
Illinois67———
New Hampshire66———
Georgia58———
Maryland57———
Arizona56———
North Carolina56———
Colorado34———
Hawaii34———
Massachusetts34———
Washington34———
Oregon22———
Utah12———
Alabama11———
New Mexico11———
Virginia11———
Connecticut02———
Arkansas01———
Missouri01———
Ohio01———
Oklahoma01———

*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open PFN Lending Group, Inc.'s page for that state.

Counties where PFN Lending Group, Inc. is a top lender

CountyRankLoansMarket share
Clay County, NC1032.3%
Gillespie County, TX1541.2%
Mono County, CA2310.9%

Check PFN Lending Group, Inc. 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