Purchase Originations
184
Median Total Costs
$6,121
−8.4% vs national ($6,680)
↑ $240 vs prior year
Median Rate
6.000%
−7.5% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$3,149
Median Lender Credits
$56
Denial Rate
17.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 158 | 5.875% | $5,956 | $3,172 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| South Carolina | 121 | 6.000% | $5,970 | #109 |
| Georgia | 63 | 5.990% | $6,540 | #182 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,511 | 5.875% | — | 1 | −$1,610 | |
| 2 | $4,562 | 5.625% | — | 1 | −$1,559 | |
| 3 | $5,139 | 6.433% | — | 2 | −$982 | |
| 4 | $5,290 | 5.875% | — | 5 | −$831 | |
| 5 | $5,714 | 5.375% | — | 1 | −$407 | |
| 6 | $5,829 | 6.062% | — | 92 | −$292 | |
| 7 | $5,915 | 6.125% | — | 19 | −$206 | |
| 8 | $6,230 | 5.812% | — | 2 | +$109 | |
| 9 | $6,295 | 6.125% | — | 13 | +$174 | |
| 10 | $6,512 | 5.875% | — | 3 | +$391 | |
| 11 | $6,532 | 5.688% | — | 4 | +$411 | |
| 12 | $6,548 | 6.250% | — | 26 | +$427 | |
| 13 | $7,542 | 5.500% | — | 1 | +$1,421 | |
| 14 | $7,602 | 5.250% | — | 2 | +$1,481 | |
| 15 | $7,743 | 6.500% | — | 1 | +$1,622 | |
| 16 | $8,085 | 6.500% | — | 1 | +$1,964 | |
| 17 | $8,804 | 5.750% | — | 1 | +$2,683 | |
| 18 | $9,684 | 5.250% | — | 3 | +$3,563 | |
| 19 | $10,050 | 5.625% | — | 1 | +$3,929 | |
| 20 | $12,317 | 5.000% | — | 1 | +$6,196 |
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 | SRP | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $245,000 | $335,000 | −$90,000 (−26.9%) |
| Median total closing costs | $6,121 | $7,127 | −$1,006 (−14.1%) |
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.