Purchase Originations
113
Median Total Costs
$6,420
−3.9% vs national ($6,680)
↑ $479 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$2,895
Median Lender Credits
$56
Denial Rate
1.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 85 | 6.750% | $5,456 | $2,725 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| North Carolina | 112 | 6.625% | $6,347 | #144 |
| Florida | 1 | 6.875% | $6,855 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,896 | 6.125% | — | 1 | −$2,524 | |
| 2 | $4,282 | 6.750% | — | 1 | −$2,138 | |
| 3 | $4,389 | 6.875% | — | 1 | −$2,031 | |
| 4 | $5,002 | 6.562% | — | 12 | −$1,418 | |
| 5 | $5,008 | 6.750% | — | 1 | −$1,412 | |
| 6 | $5,173 | 6.750% | — | 1 | −$1,247 | |
| 7 | $5,553 | 6.990% | — | 1 | −$867 | |
| 8 | $6,420 | 6.625% | — | 45 | +$0 | |
| 9 | $6,635 | 6.870% | — | 6 | +$215 | |
| 10 | $6,693 | 6.438% | — | 4 | +$273 | |
| 11 | $6,855 | 6.875% | — | 1 | +$435 | |
| 12 | $7,187 | 6.625% | — | 5 | +$767 | |
| 13 | $7,732 | 6.562% | — | 4 | +$1,312 | |
| 14 | $7,771 | 6.500% | — | 11 | +$1,351 | |
| 15 | $8,078 | 6.990% | — | 1 | +$1,658 | |
| 16 | $8,881 | 6.250% | — | 11 | +$2,461 | |
| 17 | $9,032 | 6.625% | — | 3 | +$2,612 | |
| 18 | $9,610 | 6.490% | — | 1 | +$3,190 | |
| 19 | $9,868 | 6.188% | — | 2 | +$3,448 | |
| 20 | $13,502 | 6.125% | — | 1 | +$7,082 |
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 Mortgage of the Carolinas, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $355,000 | $335,000 | +$20,000 (+6.0%) |
| Median total closing costs | $6,420 | $7,127 | −$707 (−9.9%) |
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.