Purchase Originations
102
Median Total Costs
$6,357
−4.8% vs national ($6,680)
↑ $567 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$3,021
Median Lender Credits
$70
Denial Rate
15.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 102 | 6.625% | $6,357 | $3,021 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Georgia | 100 | 6.625% | $6,357 | #143 |
| Mississippi | 1 | 6.500% | $6,979 | — |
| Tennessee | 1 | 6.125% | $4,403 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,334 | 6.000% | — | 1 | −$2,023 | |
| 2 | $4,683 | 6.562% | — | 2 | −$1,674 | |
| 3 | $4,913 | 6.875% | — | 2 | −$1,444 | |
| 4 | $4,934 | 6.000% | — | 3 | −$1,423 | |
| 5 | $5,620 | 7.188% | — | 2 | −$737 | |
| 6 | $5,649 | 6.875% | — | 2 | −$708 | |
| 7 | $5,725 | 6.625% | — | 2 | −$632 | |
| 8 | $5,903 | 6.625% | — | 9 | −$454 | |
| 9 | $5,977 | 6.875% | — | 3 | −$380 | |
| 10 | $5,999 | 6.625% | — | 21 | −$358 | |
| 11 | $6,061 | 6.875% | — | 1 | −$296 | |
| 12 | $6,310 | 6.625% | — | 7 | −$47 | |
| 13 | $7,583 | 7.125% | — | 2 | +$1,226 | |
| 14 | $8,058 | 6.500% | — | 10 | +$1,701 | |
| 15 | $8,889 | 6.812% | — | 2 | +$2,532 | |
| 16 | $9,318 | 7.000% | — | 2 | +$2,961 | |
| 17 | $9,341 | 6.750% | — | 6 | +$2,984 | |
| 18 | $9,375 | 6.250% | — | 2 | +$3,018 | |
| 19 | $11,799 | 6.250% | — | 4 | +$5,442 | |
| 20 | $16,942 | 6.312% | — | 6 | +$10,585 |
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 | Georgia United | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $6,357 | $7,127 | −$770 (−10.8%) |
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.