Purchase Originations
330
Median Total Costs
$3,803
−43.1% vs national ($6,680)
↑ $194 vs prior year
Median Rate
5.500%
−15.3% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$0
Median Lender Credits
$26
Denial Rate
4.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 330 | 5.500% | $3,803 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 72 | 5.500% | $4,890 | #311 |
| Florida | 34 | 5.500% | $4,260 | — |
| Georgia | 20 | 5.375% | $3,689 | — |
| California | 17 | 5.375% | $6,002 | — |
| Illinois | 16 | 5.500% | $4,870 | — |
| Michigan | 16 | 5.750% | $2,536 | — |
| New York | 14 | 5.312% | $3,728 | — |
| Arizona | 12 | 5.438% | $4,369 | — |
| North Carolina | 12 | 5.375% | $2,605 | — |
| Tennessee | 12 | 5.500% | $4,148 | — |
| Washington | 12 | 5.562% | $2,981 | — |
| Massachusetts | 8 | 5.438% | $3,874 | — |
| Nevada | 8 | 5.375% | $3,467 | — |
| Pennsylvania | 7 | 5.500% | $3,795 | — |
| Colorado | 6 | 5.250% | $2,320 | — |
| Ohio | 6 | 5.562% | $2,632 | — |
| Virginia | 6 | 5.375% | $3,482 | — |
| Kentucky | 5 | 5.500% | $2,984 | — |
| New Jersey | 5 | 5.375% | $6,728 | — |
| Indiana | 4 | 5.500% | $1,705 | — |
| North Dakota | 4 | 5.562% | $2,405 | — |
| South Carolina | 4 | 5.375% | $3,442 | — |
| Alabama | 2 | 5.562% | $3,100 | — |
| Arkansas | 2 | 5.500% | $2,113 | — |
| Connecticut | 2 | 5.500% | $4,669 | — |
| Hawaii | 2 | 5.438% | $4,937 | — |
| Iowa | 2 | 5.500% | $1,697 | — |
| Louisiana | 2 | 5.688% | $3,238 | — |
| Maryland | 2 | 5.438% | $4,682 | — |
| Missouri | 2 | 5.375% | $1,701 | — |
| Utah | 2 | 5.188% | $2,753 | — |
| Wyoming | 2 | 5.500% | $2,516 | — |
| Delaware | 1 | 5.625% | $4,481 | — |
| Idaho | 1 | 5.750% | $3,418 | — |
| Kansas | 1 | 5.625% | $2,771 | — |
| Minnesota | 1 | 5.750% | $3,202 | — |
| Montana | 1 | 6.000% | $3,528 | — |
| New Hampshire | 1 | 5.500% | $2,524 | — |
| Oklahoma | 1 | 5.125% | $4,326 | — |
| Oregon | 1 | 5.625% | $4,872 | — |
| Wisconsin | 1 | 5.250% | $3,537 | — |
| West Virginia | 1 | 6.000% | $3,516 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,058 | 5.375% | — | 4 | −$1,745 | |
| 2 | $2,264 | 5.625% | — | 5 | −$1,539 | |
| 3 | $2,761 | 5.812% | — | 6 | −$1,042 | |
| 4 | $3,231 | 5.250% | — | 5 | −$572 | |
| 5 | $3,795 | 5.625% | — | 3 | −$8 | |
| 6 | $4,000 | 5.250% | — | 4 | +$197 | |
| 7 | $4,210 | 5.312% | — | 4 | +$407 | |
| 8 | $4,485 | 5.375% | — | 7 | +$682 | |
| 9 | $4,595 | 5.812% | — | 4 | +$792 | |
| 10 | $4,601 | 5.500% | — | 9 | +$798 | |
| 11 | $4,839 | 5.000% | — | 6 | +$1,036 | |
| 12 | $4,933 | 5.625% | — | 22 | +$1,130 | |
| 13 | $5,329 | 5.562% | — | 4 | +$1,526 | |
| 14 | $5,406 | 5.500% | — | 5 | +$1,603 | |
| 15 | $5,759 | 5.250% | — | 4 | +$1,956 | |
| 16 | $5,810 | 5.375% | — | 4 | +$2,007 | |
| 17 | $5,910 | 5.500% | — | 7 | +$2,107 | |
| 18 | $6,143 | 5.375% | — | 8 | +$2,340 | |
| 19 | $6,643 | 5.625% | — | 4 | +$2,840 | |
| 20 | $6,684 | 5.375% | — | 5 | +$2,881 |
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 | RBC Bank, (Georgia) National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $435,000 | $335,000 | +$100,000 (+29.9%) |
| Median total closing costs | $3,803 | $7,127 | −$3,324 (−46.6%) |
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.