Purchase Originations
1,725
Ranked #254 nationally
Median Total Costs
$10,013
+49.9% vs national ($6,680)
↑ $91 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$4,464
Median Lender Credits
$1,887
Cost Rank (500+ vol.)
#546
among lenders with 500+ originations
Denial Rate
3.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 955 | 6.500% | $8,032 | $4,685 |
| fha | 576 | 5.990% | $12,895 | $4,646 |
| va | 167 | 6.124% | $8,362 | $1,808 |
| usda | 27 | 6.125% | $10,258 | $4,222 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Georgia | 1,629 | 6.250% | $10,080 | #11 |
| South Carolina | 33 | 6.500% | $8,130 | — |
| Tennessee | 26 | 6.375% | $11,270 | — |
| Florida | 23 | 6.124% | $10,734 | — |
| Alabama | 6 | 6.370% | $8,335 | — |
| North Carolina | 4 | 6.750% | $6,939 | — |
| Colorado | 1 | 7.000% | $9,890 | — |
| Louisiana | 1 | 6.625% | $8,829 | — |
| Mississippi | 1 | 6.375% | $6,473 | — |
| Virginia | 1 | 6.500% | $3,452 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $9,027 | 6.375% | — | 68 | −$986 | |
| 2 | $9,090 | 6.500% | — | 193 | −$923 | |
| 3 | $9,122 | 6.375% | — | 105 | −$891 | |
| 4 | $9,280 | 6.375% | — | 39 | −$733 | |
| 5 | $9,306 | 6.125% | — | 62 | −$707 | |
| 6 | $9,343 | 6.125% | — | 25 | −$670 | |
| 7 | $9,409 | 6.625% | — | 59 | −$604 | |
| 8 | $9,441 | 6.000% | — | 77 | −$572 | |
| 9 | $9,695 | 6.250% | — | 19 | −$318 | |
| 10 | $9,801 | 6.125% | — | 42 | −$212 | |
| 11 | $10,182 | 6.250% | — | 172 | +$169 | |
| 12 | $10,253 | 6.250% | — | 76 | +$240 | |
| 13 | $10,354 | 6.500% | — | 23 | +$341 | |
| 14 | $10,430 | 6.125% | — | 42 | +$417 | |
| 15 | $10,710 | 6.375% | — | 33 | +$697 | |
| 16 | $10,898 | 6.375% | — | 29 | +$885 | |
| 17 | $11,516 | 6.000% | — | 26 | +$1,503 | |
| 18 | $11,578 | 6.375% | — | 77 | +$1,565 | |
| 19 | $12,404 | 4.990% | — | 81 | +$2,391 | |
| 20 | $13,042 | 5.990% | — | 33 | +$3,029 |
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 | Banksouth Mortgage Company, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $325,000 | $335,000 | −$10,000 (−3.0%) |
| Median total closing costs | $10,013 | $7,127 | +$2,886 (+40.5%) |
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.