Purchase Originations
443
Median Total Costs
$15,382
+130.3% vs national ($6,680)
↑ $1,252 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$7,506
Median Lender Credits
$1,502
Denial Rate
0.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 259 | 6.250% | $18,253 | $8,135 |
| conventional | 144 | 6.433% | $8,335 | $5,586 |
| va | 37 | 5.750% | $12,502 | $7,798 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Utah | 375 | 6.250% | $16,357 | #17 |
| Texas | 18 | 6.365% | $7,980 | — |
| Oregon | 9 | 6.375% | $11,045 | — |
| New Mexico | 8 | 6.562% | $7,730 | — |
| Idaho | 7 | 6.250% | $11,890 | — |
| Arizona | 4 | 6.312% | $14,120 | — |
| California | 4 | 6.188% | $10,767 | — |
| Florida | 3 | 6.875% | $10,855 | — |
| Oklahoma | 3 | 6.500% | $10,993 | — |
| Colorado | 2 | 5.875% | $15,603 | — |
| Virginia | 2 | 6.312% | $6,260 | — |
| Washington | 2 | 6.125% | $14,674 | — |
| Michigan | 1 | 6.125% | $7,038 | — |
| Mississippi | 1 | 5.990% | $19,942 | — |
| Montana | 1 | 5.990% | $12,426 | — |
| North Carolina | 1 | 6.500% | $19,582 | — |
| Ohio | 1 | 6.250% | $10,540 | — |
| South Carolina | 1 | 6.740% | $15,309 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,208 | 6.500% | — | 3 | −$9,174 | |
| 2 | $6,659 | 6.740% | — | 9 | −$8,723 | |
| 3 | $6,777 | 6.933% | — | 2 | −$8,605 | |
| 4 | $7,183 | 7.062% | — | 2 | −$8,199 | |
| 5 | $9,785 | 6.375% | — | 5 | −$5,597 | |
| 6 | $10,767 | 6.433% | — | 2 | −$4,615 | |
| 7 | $11,425 | 6.312% | — | 2 | −$3,957 | |
| 8 | $12,842 | 6.058% | — | 2 | −$2,540 | |
| 9 | $13,578 | 6.250% | — | 39 | −$1,804 | |
| 10 | $14,186 | 6.250% | — | 3 | −$1,196 | |
| 11 | $14,684 | 5.995% | — | 36 | −$698 | |
| 12 | $15,626 | 5.125% | — | 3 | +$244 | |
| 13 | $15,949 | 6.125% | — | 7 | +$567 | |
| 14 | $16,634 | 6.058% | — | 6 | +$1,252 | |
| 15 | $16,841 | 6.250% | — | 3 | +$1,459 | |
| 16 | $17,051 | 6.188% | — | 158 | +$1,669 | |
| 17 | $17,126 | 6.250% | — | 74 | +$1,744 | |
| 18 | $17,595 | 6.375% | — | 35 | +$2,213 | |
| 19 | $18,207 | 6.438% | — | 2 | +$2,825 | |
| 20 | $19,637 | 6.058% | — | 4 | +$4,255 |
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 | Ranlife, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $415,000 | $335,000 | +$80,000 (+23.9%) |
| Median total closing costs | $15,382 | $7,127 | +$8,255 (+115.8%) |
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.