Purchase Originations
811
Ranked #447 nationally
Median Total Costs
$7,968
+19.3% vs national ($6,680)
↑ $137 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$2,753
Median Lender Credits
$445
Cost Rank (500+ vol.)
#437
among lenders with 500+ originations
Denial Rate
5.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 434 | 6.500% | $5,348 | $3,031 |
| fha | 224 | 6.125% | $11,409 | $2,422 |
| va | 145 | 6.250% | $9,794 | $2,667 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Alaska | 530 | 6.250% | $7,798 | #3 |
| Washington | 98 | 6.375% | $10,565 | #111 |
| Arizona | 65 | 6.375% | $10,749 | #129 |
| Oregon | 51 | 6.490% | $6,914 | #102 |
| Colorado | 26 | 6.250% | $7,377 | — |
| Idaho | 18 | 6.624% | $5,573 | — |
| Florida | 7 | 6.625% | $4,738 | — |
| California | 4 | 5.875% | $8,482 | — |
| Georgia | 2 | 6.308% | $5,649 | — |
| Montana | 2 | 6.250% | $4,683 | — |
| Nevada | 2 | 6.683% | $5,086 | — |
| Utah | 2 | 6.557% | $4,248 | — |
| Tennessee | 1 | 6.990% | $7,049 | — |
| Texas | 1 | 6.750% | $5,446 | — |
| Wisconsin | 1 | 6.500% | $17,618 | — |
| Wyoming | 1 | 6.625% | $15,066 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,564 | 6.500% | — | 29 | −$3,404 | |
| 2 | $5,971 | 6.437% | — | 12 | −$1,997 | |
| 3 | $6,401 | 5.990% | — | 7 | −$1,567 | |
| 4 | $6,787 | 6.433% | — | 20 | −$1,181 | |
| 5 | $6,819 | 6.250% | — | 112 | −$1,149 | |
| 6 | $7,094 | 6.250% | — | 9 | −$874 | |
| 7 | $7,885 | 6.250% | — | 308 | −$83 | |
| 8 | $8,206 | 6.188% | — | 10 | +$238 | |
| 9 | $8,212 | 6.438% | — | 10 | +$244 | |
| 10 | $8,672 | 6.250% | — | 43 | +$704 | |
| 11 | $9,147 | 6.250% | — | 46 | +$1,179 | |
| 12 | $9,183 | 6.250% | — | 7 | +$1,215 | |
| 13 | $10,312 | 6.500% | — | 6 | +$2,344 | |
| 14 | $10,548 | 6.125% | — | 15 | +$2,580 | |
| 15 | $10,960 | 6.312% | — | 4 | +$2,992 | |
| 16 | $11,135 | 6.250% | — | 50 | +$3,167 | |
| 17 | $11,416 | 6.375% | — | 5 | +$3,448 | |
| 18 | $13,407 | 6.120% | — | 6 | +$5,439 | |
| 19 | $14,196 | 6.125% | — | 7 | +$6,228 | |
| 20 | $17,753 | 6.688% | — | 4 | +$9,785 |
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 | Residential Mortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $385,000 | $335,000 | +$50,000 (+14.9%) |
| Median total closing costs | $7,968 | $7,127 | +$841 (+11.8%) |
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.