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%).
How Towne Mortgage Company priced home-purchase loans
| Purchase loans, 2025 | Towne Mortgage Company | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.250% | 6.250% |
| 30-year fixed rate · VA | 6.250% | 6.125% |
| 15-year fixed rate · conventional | 5.875% | 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 points | 58.0% | 51.3% |
| Points paid, when paid (% of loan) | 0.77% | 0.87% |
| Borrowers receiving lender credits | 41.9% | 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
By purpose
Why Towne Mortgage Company denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Towne Mortgage Company lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Illinois | 990 | 1,147 | 2.9% | 6.750% | $6,680 |
| Texas | 750 | 868 | 2.9% | 6.375% | $8,830 |
| Florida | 621 | 735 | 4.8% | 6.490% | $6,930 |
| Alabama | 573 | 654 | 2.8% | 6.500% | $4,970 |
| Georgia | 492 | 600 | 4.3% | 6.625% | $6,500 |
| Michigan | 389 | 463 | 3.2% | 6.625% | $3,570 |
| Louisiana | 275 | 321 | 1.0% | 6.625% | $5,170 |
| South Carolina | 270 | 308 | 3.6% | 6.625% | $5,410 |
| North Carolina | 226 | 303 | 5.9% | 6.625% | $6,600 |
| Colorado | 213 | 251 | 2.3% | 6.500% | $4,320 |
| Wisconsin | 185 | 220 | 7.3% | 6.750% | $3,590 |
| Pennsylvania | 174 | 207 | 5.3% | 6.500% | $7,000 |
| Virginia | 169 | 198 | 4.0% | 6.625% | $4,710 |
| Mississippi | 158 | 184 | 4.8% | — | $4,340 |
| Oklahoma | 156 | 184 | 4.0% | 6.625% | $4,770 |
| Tennessee | 129 | 157 | 4.6% | 6.625% | $4,490 |
| Missouri | 124 | 163 | 6.0% | 6.625% | $3,560 |
| Indiana | 73 | 85 | 4.1% | 6.500% | $4,730 |
| Arizona | 70 | 87 | 6.8% | — | — |
| Minnesota | 69 | 85 | 6.3% | 6.625% | $3,760 |
| Maryland | 65 | 83 | 7.6% | — | — |
| Ohio | 64 | 76 | 3.2% | — | — |
| California | 62 | 72 | 3.9% | 6.500% | $7,060 |
| Kentucky | 52 | 70 | 6.7% | — | — |
| Iowa | 39 | 51 | 0.0% | — | — |
| Nebraska | 27 | 31 | 4.2% | — | — |
| New Jersey | 25 | 32 | 4.5% | — | — |
| Kansas | 21 | 24 | — | — | — |
| South Dakota | 21 | 23 | 0.0% | — | — |
| Oregon | 19 | 21 | — | — | — |
| Arkansas | 16 | 20 | 10.0% | — | — |
| North Dakota | 13 | 16 | — | — | — |
| New Mexico | 12 | 15 | — | — | — |
| Rhode Island | 11 | 13 | — | — | — |
| Wyoming | 11 | 12 | — | — | — |
| West Virginia | 8 | 10 | — | — | — |
| Maine | 5 | 5 | — | — | — |
| Massachusetts | 4 | 6 | — | — | — |
| Utah | 4 | 6 | — | — | — |
| Montana | 4 | 4 | — | — | — |
| Delaware | 3 | 4 | — | — | — |
| Nevada | 2 | 2 | — | — | — |
| District of Columbia | 1 | 2 | — | — | — |
| Washington | 1 | 2 | — | — | — |
| Connecticut | 1 | 1 | — | — | — |
| New Hampshire | 1 | 1 | — | — | — |
*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
| County | Rank | Loans | Market share |
|---|---|---|---|
| Montgomery County, GA | 2 | 6 | 12.5% |
| Decatur County, GA | 2 | 26 | 11.6% |
| Appling County, GA | 2 | 10 | 10.4% |
| Avoyelles Parish, LA | 3 | 31 | 10.2% |
| Nobles County, MN | 3 | 18 | 9.9% |
| Telfair County, GA | 3 | 3 | 9.7% |
| Hettinger County, ND | 4 | 2 | 9.5% |
| Adams County, ND | 7 | 1 | 9.1% |
| Henry County, AL | 3 | 19 | 7.4% |
| Choctaw County, AL | 3 | 3 | 6.8% |
| Seminole County, GA | 6 | 5 | 6.7% |
| Warren County, GA | 7 | 2 | 6.5% |
| Noxubee County, MS | 9 | 1 | 6.3% |
| Grant Parish, LA | 5 | 10 | 6.2% |
| Ballard County, KY | 4 | 5 | 6.2% |
Check Towne Mortgage Company yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300R7HGHP2I754087.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Towne Mortgage Company with similar 2025 loans.
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