Purchase Originations
170
Median Total Costs
$6,469
−3.2% vs national ($6,680)
↑ $200 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$2,055
Median Lender Credits
$668
Denial Rate
30.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 166 | 6.750% | $6,314 | $2,088 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,388 | 6.750% | — | 1 | −$4,081 | |
| 2 | $4,368 | 6.625% | — | 2 | −$2,101 | |
| 3 | $4,778 | 6.875% | — | 4 | −$1,691 | |
| 4 | $5,007 | 6.688% | — | 2 | −$1,462 | |
| 5 | $5,169 | 7.000% | — | 5 | −$1,300 | |
| 6 | $5,210 | 6.625% | — | 23 | −$1,259 | |
| 7 | $5,361 | 6.750% | — | 50 | −$1,108 | |
| 8 | $6,585 | 6.625% | — | 2 | +$116 | |
| 9 | $9,163 | 6.625% | — | 6 | +$2,694 | |
| 10 | $9,916 | 6.875% | — | 5 | +$3,447 | |
| 11 | $10,989 | 6.812% | — | 6 | +$4,520 | |
| 12 | $13,625 | 6.875% | — | 3 | +$7,156 | |
| 13 | $14,906 | 6.875% | — | 3 | +$8,437 | |
| 14 | $15,104 | 7.125% | — | 2 | +$8,635 | |
| 15 | $15,366 | 7.312% | — | 2 | +$8,897 | |
| 16 | $17,637 | 6.875% | — | 9 | +$11,168 | |
| 17 | $18,757 | 6.750% | — | 15 | +$12,288 | |
| 18 | $18,936 | 6.375% | — | 5 | +$12,467 | |
| 19 | $19,221 | 6.875% | — | 5 | +$12,752 | |
| 20 | $19,237 | 7.062% | — | 2 | +$12,768 |
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 | Southside Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $6,469 | $7,127 | −$658 (−9.2%) |
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.