Purchase Originations
230
Median Total Costs
$7,125
+6.7% vs national ($6,680)
↑ $750 vs prior year
Median Rate
5.812%
−10.4% vs national (6.490%)
↓ 0.438% vs prior year
Median Origination
$3,557
Median Lender Credits
$57
Denial Rate
7.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 230 | 5.812% | $7,125 | $3,557 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Georgia | 212 | 5.875% | $7,125 | #99 |
| Alabama | 4 | 6.000% | $3,935 | — |
| Tennessee | 3 | 5.000% | $4,560 | — |
| South Carolina | 2 | 5.938% | $6,195 | — |
| Texas | 2 | 5.188% | $11,084 | — |
| California | 1 | 4.625% | $12,045 | — |
| Florida | 1 | 5.625% | $6,999 | — |
| Indiana | 1 | 4.625% | $17,383 | — |
| North Carolina | 1 | 5.500% | $4,115 | — |
| Nevada | 1 | 6.375% | $7,709 | — |
| Pennsylvania | 1 | 5.625% | $10,613 | — |
| Virginia | 1 | 6.000% | $8,181 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,783 | 6.312% | — | 2 | −$3,342 | |
| 2 | $4,422 | 6.750% | — | 2 | −$2,703 | |
| 3 | $4,617 | 5.688% | — | 2 | −$2,508 | |
| 4 | $4,649 | 6.375% | — | 4 | −$2,476 | |
| 5 | $5,198 | 6.000% | — | 2 | −$1,927 | |
| 6 | $5,746 | 6.000% | — | 4 | −$1,379 | |
| 7 | $6,034 | 6.375% | — | 5 | −$1,091 | |
| 8 | $6,077 | 5.500% | — | 3 | −$1,048 | |
| 9 | $6,290 | 5.938% | — | 18 | −$835 | |
| 10 | $6,367 | 5.875% | — | 8 | −$758 | |
| 11 | $6,476 | 6.062% | — | 2 | −$649 | |
| 12 | $6,548 | 6.188% | — | 4 | −$577 | |
| 13 | $7,251 | 5.812% | — | 4 | +$126 | |
| 14 | $7,282 | 6.125% | — | 23 | +$157 | |
| 15 | $7,312 | 5.750% | — | 29 | +$187 | |
| 16 | $7,812 | 5.375% | — | 2 | +$687 | |
| 17 | $8,198 | 5.812% | — | 6 | +$1,073 | |
| 18 | $8,491 | 5.875% | — | 13 | +$1,366 | |
| 19 | $8,811 | 5.438% | — | 44 | +$1,686 | |
| 20 | $11,084 | 5.188% | — | 2 | +$3,959 |
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's Own | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $385,000 | $335,000 | +$50,000 (+14.9%) |
| Median total closing costs | $7,125 | $7,127 | −$2 (−0.0%) |
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.