Purchase Originations
144
Median Total Costs
$7,030
+5.2% vs national ($6,680)
↑ $1,527 vs prior year
Median Rate
7.125%
+9.8% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$3,745
Median Lender Credits
$56
Denial Rate
4.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 144 | 7.125% | $7,030 | $3,745 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| South Carolina | 139 | 7.125% | $7,071 | #101 |
| North Carolina | 5 | 7.250% | $3,758 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,890 | 7.250% | — | 1 | −$4,140 | |
| 2 | $3,156 | 7.500% | — | 1 | −$3,874 | |
| 3 | $3,707 | 7.500% | — | 1 | −$3,323 | |
| 4 | $3,758 | 7.125% | — | 1 | −$3,272 | |
| 5 | $4,243 | 7.125% | — | 22 | −$2,787 | |
| 6 | $4,296 | 6.950% | — | 3 | −$2,734 | |
| 7 | $4,669 | 7.250% | — | 1 | −$2,361 | |
| 8 | $4,985 | 6.950% | — | 15 | −$2,045 | |
| 9 | $6,214 | 7.125% | — | 4 | −$816 | |
| 10 | $6,377 | 7.125% | — | 28 | −$653 | |
| 11 | $7,486 | 7.125% | — | 1 | +$456 | |
| 12 | $8,581 | 7.125% | — | 5 | +$1,551 | |
| 13 | $8,807 | 7.125% | — | 35 | +$1,777 | |
| 14 | $8,871 | 7.125% | — | 3 | +$1,841 | |
| 15 | $9,286 | 7.287% | — | 2 | +$2,256 | |
| 16 | $9,667 | 7.000% | — | 5 | +$2,637 | |
| 17 | $9,932 | 6.950% | — | 8 | +$2,902 | |
| 18 | $11,572 | 7.062% | — | 2 | +$4,542 | |
| 19 | $19,158 | 6.950% | — | 1 | +$12,128 | |
| 20 | $27,548 | 8.125% | — | 1 | +$20,518 |
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 | Arthur State Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $355,000 | $335,000 | +$20,000 (+6.0%) |
| Median total closing costs | $7,030 | $7,127 | −$97 (−1.4%) |
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.