Purchase Originations
110
Median Total Costs
$4,001
−40.1% vs national ($6,680)
↓ $660 vs prior year
Median Rate
6.562%
+1.1% vs national (6.490%)
↓ 0.188% vs prior year
Median Origination
$1,157
Median Lender Credits
$33
Denial Rate
7.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 110 | 6.562% | $4,001 | $1,157 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Alabama | 108 | 6.562% | $4,001 | #91 |
| Georgia | 1 | 6.250% | $4,927 | — |
| Mississippi | 1 | 6.875% | $3,780 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,856 | 5.625% | — | 3 | −$1,145 | |
| 2 | $2,882 | 6.875% | — | 3 | −$1,119 | |
| 3 | $2,965 | 6.750% | — | 1 | −$1,036 | |
| 4 | $3,105 | 6.375% | — | 3 | −$896 | |
| 5 | $3,215 | 6.750% | — | 1 | −$786 | |
| 6 | $3,260 | 6.625% | — | 2 | −$741 | |
| 7 | $3,546 | 6.375% | — | 1 | −$455 | |
| 8 | $3,559 | 6.250% | — | 1 | −$442 | |
| 9 | $3,603 | 6.625% | — | 3 | −$398 | |
| 10 | $3,740 | 5.875% | — | 1 | −$261 | |
| 11 | $3,745 | 6.750% | — | 1 | −$256 | |
| 12 | $4,075 | 6.500% | — | 63 | +$74 | |
| 13 | $4,210 | 6.500% | — | 3 | +$209 | |
| 14 | $4,248 | 6.500% | — | 1 | +$247 | |
| 15 | $4,446 | 6.750% | — | 2 | +$445 | |
| 16 | $4,601 | 6.625% | — | 3 | +$600 | |
| 17 | $4,941 | 6.625% | — | 1 | +$940 | |
| 18 | $4,985 | 6.312% | — | 2 | +$984 | |
| 19 | $5,369 | 6.625% | — | 3 | +$1,368 | |
| 20 | $9,948 | 6.750% | — | 1 | +$5,947 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Alabama One | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $225,000 | $335,000 | −$110,000 (−32.8%) |
| Median total closing costs | $4,001 | $7,127 | −$3,126 (−43.9%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.