Purchase Originations
500
Ranked #618 nationally
Median Total Costs
$6,713
+0.5% vs national ($6,680)
↓ $65 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$2,826
Median Lender Credits
$575
Cost Rank (500+ vol.)
#338
among lenders with 500+ originations
Denial Rate
1.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 301 | 6.625% | $5,031 | $2,254 |
| va | 103 | 6.250% | $9,850 | $2,297 |
| fha | 96 | 6.250% | $11,969 | $4,254 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| South Carolina | 467 | 6.500% | $6,558 | #36 |
| Georgia | 33 | 6.250% | $7,680 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,556 | 5.990% | — | 1 | −$3,157 | |
| 2 | $3,961 | 6.125% | — | 1 | −$2,752 | |
| 3 | $4,799 | 6.750% | — | 7 | −$1,914 | |
| 4 | $4,855 | 6.500% | — | 17 | −$1,858 | |
| 5 | $5,618 | 6.375% | — | 8 | −$1,095 | |
| 6 | $5,622 | 6.683% | — | 2 | −$1,091 | |
| 7 | $6,021 | 6.183% | — | 4 | −$692 | |
| 8 | $6,115 | 6.625% | — | 157 | −$598 | |
| 9 | $6,431 | 6.370% | — | 2 | −$282 | |
| 10 | $6,441 | 6.688% | — | 4 | −$272 | |
| 11 | $6,914 | 6.500% | — | 7 | +$201 | |
| 12 | $7,398 | 6.375% | — | 105 | +$685 | |
| 13 | $7,413 | 6.125% | — | 3 | +$700 | |
| 14 | $7,477 | 6.250% | — | 125 | +$764 | |
| 15 | $8,250 | 6.250% | — | 25 | +$1,537 | |
| 16 | $8,353 | 6.000% | — | 5 | +$1,640 | |
| 17 | $8,560 | 6.240% | — | 11 | +$1,847 | |
| 18 | $9,062 | 6.250% | — | 2 | +$2,349 | |
| 19 | $10,307 | 6.240% | — | 3 | +$3,594 | |
| 20 | $11,885 | 6.750% | — | 2 | +$5,172 |
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 | Carolina One Mortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $315,000 | $335,000 | −$20,000 (−6.0%) |
| Median total closing costs | $6,713 | $7,127 | −$414 (−5.8%) |
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.