Purchase Originations
238
Median Total Costs
$10,870
+62.7% vs national ($6,680)
↑ $1,258 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.500% vs prior year
Median Origination
$6,213
Median Lender Credits
$600
Denial Rate
8.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 141 | 6.000% | $11,471 | $6,198 |
| conventional | 66 | 7.000% | $9,161 | $6,196 |
| usda | 23 | 5.750% | $10,350 | $6,332 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Puerto Rico | 238 | 6.250% | $10,870 | #12 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $8,467 | 6.500% | — | 4 | −$2,403 | |
| 2 | $9,124 | 6.250% | — | 3 | −$1,746 | |
| 3 | $9,491 | 6.562% | — | 6 | −$1,379 | |
| 4 | $9,957 | 5.750% | — | 5 | −$913 | |
| 5 | $10,154 | 6.125% | — | 12 | −$716 | |
| 6 | $10,326 | 6.250% | — | 43 | −$544 | |
| 7 | $10,582 | 6.125% | — | 2 | −$288 | |
| 8 | $10,636 | 6.250% | — | 6 | −$234 | |
| 9 | $10,889 | 5.750% | — | 3 | +$19 | |
| 10 | $10,951 | 6.250% | — | 17 | +$81 | |
| 11 | $11,282 | 5.750% | — | 4 | +$412 | |
| 12 | $11,493 | 6.250% | — | 15 | +$623 | |
| 13 | $11,577 | 5.750% | — | 8 | +$707 | |
| 14 | $11,579 | 6.500% | — | 49 | +$709 | |
| 15 | $11,673 | 5.750% | — | 2 | +$803 | |
| 16 | $11,700 | 5.625% | — | 4 | +$830 | |
| 17 | $12,149 | 5.750% | — | 11 | +$1,279 | |
| 18 | $14,233 | 6.688% | — | 10 | +$3,363 | |
| 19 | $14,584 | 6.125% | — | 6 | +$3,714 | |
| 20 | $15,590 | 5.750% | — | 8 | +$4,720 |
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 | R. F. Mortgage & Investment Corporation | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $155,000 | $335,000 | −$180,000 (−53.7%) |
| Median total closing costs | $10,870 | $7,127 | +$3,743 (+52.5%) |
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.