Purchase Originations
850
Ranked #425 nationally
Median Total Costs
$4,636
−30.6% vs national ($6,680)
↑ $341 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,400
Median Lender Credits
$50
Cost Rank (500+ vol.)
#160
among lenders with 500+ originations
Denial Rate
4.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 715 | 6.625% | $4,394 | $1,400 |
| fha | 67 | 6.125% | $8,623 | $1,245 |
| va | 40 | 6.125% | $6,671 | $1,388 |
| usda | 28 | 6.250% | $6,327 | $1,612 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| South Carolina | 622 | 6.500% | $4,561 | #26 |
| Virginia | 112 | 6.500% | $4,364 | #120 |
| Georgia | 58 | 6.500% | $6,406 | #193 |
| North Carolina | 27 | 6.625% | $5,378 | — |
| West Virginia | 21 | 6.250% | $4,176 | — |
| Florida | 7 | 6.375% | $7,188 | — |
| Tennessee | 2 | 6.312% | $3,281 | — |
| Texas | 1 | 6.000% | $4,412 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,892 | 6.625% | — | 15 | −$744 | |
| 2 | $3,911 | 6.562% | — | 12 | −$725 | |
| 3 | $3,939 | 6.500% | — | 9 | −$697 | |
| 4 | $4,063 | 6.625% | — | 21 | −$573 | |
| 5 | $4,082 | 6.500% | — | 32 | −$554 | |
| 6 | $4,220 | 6.500% | — | 112 | −$416 | |
| 7 | $4,265 | 6.500% | — | 95 | −$371 | |
| 8 | $4,443 | 6.438% | — | 8 | −$193 | |
| 9 | $4,540 | 6.500% | — | 75 | −$96 | |
| 10 | $4,626 | 6.750% | — | 8 | −$10 | |
| 11 | $4,633 | 6.500% | — | 27 | −$3 | |
| 12 | $4,813 | 6.625% | — | 69 | +$177 | |
| 13 | $4,992 | 6.250% | — | 70 | +$356 | |
| 14 | $5,180 | 6.625% | — | 59 | +$544 | |
| 15 | $5,298 | 6.375% | — | 9 | +$662 | |
| 16 | $5,992 | 6.375% | — | 7 | +$1,356 | |
| 17 | $6,608 | 6.375% | — | 28 | +$1,972 | |
| 18 | $6,756 | 6.500% | — | 7 | +$2,120 | |
| 19 | $7,158 | 6.500% | — | 9 | +$2,522 | |
| 20 | $8,212 | 6.500% | — | 7 | +$3,576 |
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 | First Reliance Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $275,000 | $335,000 | −$60,000 (−17.9%) |
| Median total closing costs | $4,636 | $7,127 | −$2,491 (−35.0%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
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.