Purchase Originations
223
Median Total Costs
$5,858
−12.3% vs national ($6,680)
↑ $80 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,645
Median Lender Credits
$206
Denial Rate
1.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 170 | 6.750% | $5,170 | $1,645 |
| fha | 34 | 6.250% | $11,688 | $1,820 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,976 | 6.812% | — | 2 | −$882 | |
| 2 | $5,023 | 7.000% | — | 1 | −$835 | |
| 3 | $5,093 | 6.750% | — | 36 | −$765 | |
| 4 | $5,250 | 6.812% | — | 8 | −$608 | |
| 5 | $5,342 | 6.750% | — | 21 | −$516 | |
| 6 | $5,440 | 6.750% | — | 2 | −$418 | |
| 7 | $5,570 | 6.683% | — | 2 | −$288 | |
| 8 | $5,792 | 6.625% | — | 9 | −$66 | |
| 9 | $5,935 | 6.750% | — | 63 | +$77 | |
| 10 | $5,996 | 6.990% | — | 9 | +$138 | |
| 11 | $6,233 | 6.562% | — | 12 | +$375 | |
| 12 | $7,201 | 6.808% | — | 2 | +$1,343 | |
| 13 | $7,261 | 6.500% | — | 11 | +$1,403 | |
| 14 | $8,481 | 6.495% | — | 16 | +$2,623 | |
| 15 | $8,596 | 6.562% | — | 2 | +$2,738 | |
| 16 | $9,766 | 6.558% | — | 4 | +$3,908 | |
| 17 | $9,816 | 6.495% | — | 12 | +$3,958 | |
| 18 | $10,290 | 6.875% | — | 1 | +$4,432 | |
| 19 | $10,301 | 6.495% | — | 2 | +$4,443 | |
| 20 | $11,628 | 6.490% | — | 1 | +$5,770 |
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 | Towne First Mortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $375,000 | $335,000 | +$40,000 (+11.9%) |
| Median total closing costs | $5,858 | $7,127 | −$1,269 (−17.8%) |
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.