Mortgage by CountyWhat home buyers actually paid, county by county

Independent analysis of official mortgage recordsHMDA 2025 · 7,155,718 applications

Lender profile · HMDA 2025

Towne Mortgage Company: 2025 mortgage rates, costs & approvals

How Towne Mortgage Company priced and approved home loans in 2025, measured against every lender in the official HMDA records.

HMDA legal name: TOWNE MORTGAGE COMPANY · LEI 549300R7HGHP2I754087

In 2025, Towne Mortgage Company originated 6,598 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 46 states — 93rd by volume among the 2,017 lenders profiled here.

On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 18 basis points above the national median. Median conventional loan costs were $6,080, 9% higher than the national median ($5,570).

It denied 3.8% of completed home-purchase applications (all lenders: 8.5%).

Loans
6,598
of 7,822 applications
Denial rate
3.8%
Purchase · all 8.5%
30-yr fixed rate
6.625%
Conv. · all 6.625%
Loan costs
$6,080
Conv. · all $5,570
Loan amount
$255,000
Purchase · all $335,000
Borrower income
$91,000
Purchase · all $116,000

How Towne Mortgage Company priced home-purchase loans

Purchase loans, 2025Towne Mortgage CompanyAll lenders
30-year fixed rate · conventional6.625%6.625%
30-year fixed rate · FHA6.250%6.250%
30-year fixed rate · VA6.250%6.125%
15-year fixed rate · conventional5.875%5.875%
Rate spread vs. APOR · conventional+0.32 pts+0.13 pts
Total loan costs · conventional$6,080$5,570
Total loan costs · FHA$10,740$11,310
Total loan costs · VA$8,480$6,490
Origination charges (all types)$2,490$1,860
Borrowers paying discount points58.0%51.3%
Points paid, when paid (% of loan)0.77%0.87%
Borrowers receiving lender credits41.9%33.1%

Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.

Loan mix and borrowers

By loan type

Conventional 42.4% 2,796
FHA 38.9% 2,565
VA 12.0% 789
USDA 6.8% 448

By purpose

Home purchase 80.4% 5,308
Refinance 9.7% 639
Cash-out refinance 9.9% 651
Home value
$285,000
Median, purchase loans
Down payment
3.5%
All lenders 10%
Refi rate
6.50%
30-yr fixed, conventional
Refi denial rate
4.0%
Cash-out 6.8%

Why Towne Mortgage Company denied purchase applications

Debt-to-income ratio 34.0% 80
Credit history 20.4% 48
Collateral (appraisal/property) 14.0% 33
Other 9.8% 23
Employment history 8.5% 20
Credit application incomplete 6.4% 15
Unverifiable information 4.7% 11
Insufficient cash (down payment/closing costs) 2.1% 5

First reason the lender reported for each denied home-purchase application.

Where Towne Mortgage Company lends

StateLoansApplicationsPurchase denial rate30-yr rate*Loan costs*
Illinois9901,1472.9%6.750%$6,680
Texas7508682.9%6.375%$8,830
Florida6217354.8%6.490%$6,930
Alabama5736542.8%6.500%$4,970
Georgia4926004.3%6.625%$6,500
Michigan3894633.2%6.625%$3,570
Louisiana2753211.0%6.625%$5,170
South Carolina2703083.6%6.625%$5,410
North Carolina2263035.9%6.625%$6,600
Colorado2132512.3%6.500%$4,320
Wisconsin1852207.3%6.750%$3,590
Pennsylvania1742075.3%6.500%$7,000
Virginia1691984.0%6.625%$4,710
Mississippi1581844.8%—$4,340
Oklahoma1561844.0%6.625%$4,770
Tennessee1291574.6%6.625%$4,490
Missouri1241636.0%6.625%$3,560
Indiana73854.1%6.500%$4,730
Arizona70876.8%——
Minnesota69856.3%6.625%$3,760
Maryland65837.6%——
Ohio64763.2%——
California62723.9%6.500%$7,060
Kentucky52706.7%——
Iowa39510.0%——
Nebraska27314.2%——
New Jersey25324.5%——
Kansas2124———
South Dakota21230.0%——
Oregon1921———
Arkansas162010.0%——
North Dakota1316———
New Mexico1215———
Rhode Island1113———
Wyoming1112———
West Virginia810———
Maine55———
Massachusetts46———
Utah46———
Montana44———
Delaware34———
Nevada22———
District of Columbia12———
Washington12———
Connecticut11———
New Hampshire11———

*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Towne Mortgage Company's page for that state.

Counties where Towne Mortgage Company is a top lender

Check Towne Mortgage Company yourself

This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.

Lenders of similar size

Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology