Purchase Originations
493
Median Total Costs
$4,478
−33.0% vs national ($6,680)
↓ $45 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.145% vs prior year
Median Origination
$1,050
Median Lender Credits
$1,000
Denial Rate
14.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 301 | 6.125% | $3,757 | $1,050 |
| fha | 144 | 6.000% | $7,087 | $1,250 |
| va | 27 | 6.000% | $4,564 | $0 |
| usda | 21 | 5.990% | $5,691 | $1,250 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Louisiana | 464 | 6.125% | $4,523 | #18 |
| Texas | 9 | 6.125% | $5,178 | — |
| Virginia | 6 | 6.058% | $4,825 | — |
| Florida | 4 | 6.375% | $4,084 | — |
| Alabama | 3 | 6.125% | $3,988 | — |
| Mississippi | 2 | 5.500% | $7,438 | — |
| Colorado | 1 | 6.375% | $2,968 | — |
| Delaware | 1 | 6.125% | $10,810 | — |
| North Carolina | 1 | 6.875% | $3,652 | — |
| Oklahoma | 1 | 6.375% | $3,958 | — |
| Tennessee | 1 | 5.990% | $4,239 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,827 | 5.990% | — | 12 | −$651 | |
| 2 | $3,863 | 6.625% | — | 9 | −$615 | |
| 3 | $3,988 | 6.125% | — | 3 | −$490 | |
| 4 | $3,992 | 6.000% | — | 24 | −$486 | |
| 5 | $4,107 | 6.250% | — | 65 | −$371 | |
| 6 | $4,133 | 6.183% | — | 2 | −$345 | |
| 7 | $4,177 | 6.062% | — | 34 | −$301 | |
| 8 | $4,434 | 6.125% | — | 9 | −$44 | |
| 9 | $4,618 | 6.125% | — | 11 | +$140 | |
| 10 | $4,642 | 6.190% | — | 21 | +$164 | |
| 11 | $4,809 | 6.125% | — | 179 | +$331 | |
| 12 | $4,847 | 5.990% | — | 19 | +$369 | |
| 13 | $4,886 | 5.990% | — | 27 | +$408 | |
| 14 | $5,240 | 6.250% | — | 3 | +$762 | |
| 15 | $5,440 | 5.990% | — | 12 | +$962 | |
| 16 | $5,744 | 6.250% | — | 3 | +$1,266 | |
| 17 | $6,567 | 5.990% | — | 3 | +$2,089 | |
| 18 | $6,697 | 5.995% | — | 10 | +$2,219 | |
| 19 | $8,206 | 6.000% | — | 3 | +$3,728 | |
| 20 | $8,497 | 5.990% | — | 4 | +$4,019 |
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 | Red River Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $215,000 | $335,000 | −$120,000 (−35.8%) |
| Median total closing costs | $4,478 | $7,127 | −$2,649 (−37.2%) |
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.