Purchase Originations
241
Median Total Costs
$6,881
+3.0% vs national ($6,680)
↑ $623 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.365% vs prior year
Median Origination
$2,998
Median Lender Credits
$192
Denial Rate
2.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 194 | 6.625% | $6,507 | $3,010 |
| fha | 30 | 6.250% | $12,091 | $2,881 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Georgia | 233 | 6.625% | $6,944 | #90 |
| Tennessee | 3 | 6.875% | $4,527 | — |
| Alabama | 2 | 6.875% | $4,795 | — |
| Florida | 2 | 6.500% | $6,908 | — |
| South Carolina | 1 | 6.125% | $5,678 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,736 | 6.875% | — | 1 | −$2,145 | |
| 2 | $4,854 | 6.875% | — | 1 | −$2,027 | |
| 3 | $6,294 | 6.500% | — | 1 | −$587 | |
| 4 | $6,434 | 6.500% | — | 13 | −$447 | |
| 5 | $6,504 | 6.990% | — | 3 | −$377 | |
| 6 | $6,777 | 6.188% | — | 2 | −$104 | |
| 7 | $6,843 | 6.625% | — | 98 | −$38 | |
| 8 | $6,849 | 6.625% | — | 25 | −$32 | |
| 9 | $6,877 | 6.625% | — | 50 | −$4 | |
| 10 | $6,939 | 6.688% | — | 4 | +$58 | |
| 11 | $7,120 | 6.625% | — | 4 | +$239 | |
| 12 | $7,465 | 6.438% | — | 2 | +$584 | |
| 13 | $8,066 | 6.745% | — | 2 | +$1,185 | |
| 14 | $8,243 | 6.750% | — | 2 | +$1,362 | |
| 15 | $8,369 | 6.750% | — | 1 | +$1,488 | |
| 16 | $9,020 | 6.365% | — | 2 | +$2,139 | |
| 17 | $9,092 | 6.933% | — | 6 | +$2,211 | |
| 18 | $9,263 | 5.688% | — | 2 | +$2,382 | |
| 19 | $9,369 | 7.000% | — | 2 | +$2,488 | |
| 20 | $11,708 | 6.938% | — | 2 | +$4,827 |
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 | Shelter Home Mortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $345,000 | $335,000 | +$10,000 (+3.0%) |
| Median total closing costs | $6,881 | $7,127 | −$246 (−3.5%) |
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.