Purchase Originations
384
Median Total Costs
$8,847
+32.4% vs national ($6,680)
↓ $1,377 vs prior year
Median Rate
6.490%
+0.0% vs national (6.490%)
↓ 0.134% vs prior year
Median Origination
$1,995
Median Lender Credits
$634
Denial Rate
0.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 267 | 6.625% | $7,667 | $1,995 |
| fha | 79 | 6.124% | $18,087 | $1,944 |
| va | 38 | 6.124% | $10,662 | $2,205 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 368 | 6.490% | $8,943 | #102 |
| Tennessee | 5 | 6.875% | $4,887 | — |
| Arizona | 4 | 6.624% | $6,714 | — |
| Idaho | 2 | 6.240% | $7,903 | — |
| Texas | 2 | 6.938% | $6,050 | — |
| Georgia | 1 | 5.990% | $4,369 | — |
| Oregon | 1 | 6.875% | $5,228 | — |
| Washington | 1 | 5.250% | $32,788 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,369 | 5.990% | — | 1 | −$4,478 | |
| 2 | $4,374 | 6.125% | — | 1 | −$4,473 | |
| 3 | $4,873 | 6.875% | — | 1 | −$3,974 | |
| 4 | $5,463 | 6.807% | — | 2 | −$3,384 | |
| 5 | $6,504 | 7.250% | — | 1 | −$2,343 | |
| 6 | $6,924 | 6.125% | — | 1 | −$1,923 | |
| 7 | $8,268 | 6.562% | — | 2 | −$579 | |
| 8 | $8,663 | 6.490% | — | 237 | −$184 | |
| 9 | $8,666 | 6.750% | — | 5 | −$181 | |
| 10 | $8,861 | 6.490% | — | 2 | +$14 | |
| 11 | $8,935 | 6.875% | — | 7 | +$88 | |
| 12 | $9,085 | 6.375% | — | 82 | +$238 | |
| 13 | $9,180 | 6.875% | — | 1 | +$333 | |
| 14 | $9,385 | 6.557% | — | 2 | +$538 | |
| 15 | $9,978 | 6.625% | — | 3 | +$1,131 | |
| 16 | $10,144 | 6.500% | — | 3 | +$1,297 | |
| 17 | $10,522 | 7.125% | — | 1 | +$1,675 | |
| 18 | $11,248 | 5.990% | — | 1 | +$2,401 | |
| 19 | $11,847 | 6.875% | — | 1 | +$3,000 | |
| 20 | $13,363 | 6.250% | — | 20 | +$4,516 |
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 | Augusta Financial, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $605,000 | $335,000 | +$270,000 (+80.6%) |
| Median total closing costs | $8,847 | $7,127 | +$1,720 (+24.1%) |
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.