Purchase Originations
298
Median Total Costs
$4,750
−28.9% vs national ($6,680)
↑ $346 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,304
Median Lender Credits
$208
Denial Rate
5.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 223 | 6.375% | $4,325 | $1,315 |
| fha | 58 | 6.250% | $7,588 | $1,314 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,070 | 6.020% | — | 6 | −$1,680 | |
| 2 | $3,084 | 6.201% | — | 2 | −$1,666 | |
| 3 | $3,345 | 6.060% | — | 11 | −$1,405 | |
| 4 | $3,379 | 6.500% | — | 23 | −$1,371 | |
| 5 | $3,861 | 6.060% | — | 2 | −$889 | |
| 6 | $3,911 | 6.750% | — | 12 | −$839 | |
| 7 | $3,911 | 6.008% | — | 2 | −$839 | |
| 8 | $4,094 | 6.062% | — | 6 | −$656 | |
| 9 | $4,269 | 6.562% | — | 18 | −$481 | |
| 10 | $4,325 | 6.625% | — | 9 | −$425 | |
| 11 | $4,344 | 6.102% | — | 3 | −$406 | |
| 12 | $4,409 | 6.312% | — | 6 | −$341 | |
| 13 | $4,595 | 5.780% | — | 2 | −$155 | |
| 14 | $4,767 | 6.319% | — | 26 | +$17 | |
| 15 | $4,972 | 6.140% | — | 13 | +$222 | |
| 16 | $5,342 | 6.133% | — | 44 | +$592 | |
| 17 | $5,348 | 6.250% | — | 77 | +$598 | |
| 18 | $5,679 | 6.125% | — | 8 | +$929 | |
| 19 | $6,385 | 7.125% | — | 3 | +$1,635 | |
| 20 | $7,056 | 6.438% | — | 8 | +$2,306 |
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 | RCB Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $235,000 | $335,000 | −$100,000 (−29.9%) |
| Median total closing costs | $4,750 | $7,127 | −$2,377 (−33.4%) |
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.