Purchase Originations
451
Median Total Costs
$4,440
−33.5% vs national ($6,680)
↑ $84 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,257
Median Lender Credits
$400
Denial Rate
2.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 373 | 6.625% | $4,227 | $1,257 |
| fha | 55 | 6.250% | $8,493 | $1,257 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| South Carolina | 305 | 6.625% | $4,440 | #56 |
| Tennessee | 131 | 6.625% | $4,297 | #106 |
| Georgia | 4 | 6.125% | $5,910 | — |
| North Carolina | 3 | 6.490% | $4,725 | — |
| Illinois | 2 | 6.000% | $12,068 | — |
| Florida | 1 | 6.500% | $4,471 | — |
| Maryland | 1 | 6.875% | $4,658 | — |
| New Mexico | 1 | 5.625% | $8,216 | — |
| Ohio | 1 | 6.875% | $9,074 | — |
| Texas | 1 | 6.625% | $7,942 | — |
| Virginia | 1 | 6.750% | $3,730 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,503 | 6.750% | — | 2 | −$1,937 | |
| 2 | $3,498 | 6.500% | — | 3 | −$942 | |
| 3 | $3,542 | 6.625% | — | 2 | −$898 | |
| 4 | $3,616 | 6.625% | — | 5 | −$824 | |
| 5 | $3,623 | 6.812% | — | 2 | −$817 | |
| 6 | $3,794 | 6.625% | — | 7 | −$646 | |
| 7 | $3,860 | 6.125% | — | 3 | −$580 | |
| 8 | $3,986 | 6.750% | — | 2 | −$454 | |
| 9 | $4,054 | 6.562% | — | 10 | −$386 | |
| 10 | $4,086 | 6.625% | — | 3 | −$354 | |
| 11 | $4,226 | 6.562% | — | 16 | −$214 | |
| 12 | $4,236 | 6.490% | — | 47 | −$204 | |
| 13 | $4,332 | 6.625% | — | 2 | −$108 | |
| 14 | $4,364 | 6.625% | — | 127 | −$76 | |
| 15 | $4,672 | 6.500% | — | 78 | +$232 | |
| 16 | $4,825 | 6.375% | — | 5 | +$385 | |
| 17 | $4,945 | 6.375% | — | 53 | +$505 | |
| 18 | $5,160 | 6.500% | — | 38 | +$720 | |
| 19 | $5,204 | 6.875% | — | 2 | +$764 | |
| 20 | $5,538 | 6.495% | — | 12 | +$1,098 |
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 | Countybank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $4,440 | $7,127 | −$2,687 (−37.7%) |
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.