Purchase Originations
1,468
Ranked #284 nationally
Median Total Costs
$7,414
+11.0% vs national ($6,680)
↓ $348 vs prior year
Median Rate
6.495%
+0.1% vs national (6.490%)
↓ 0.129% vs prior year
Median Origination
$1,895
Median Lender Credits
$650
Cost Rank (500+ vol.)
#399
among lenders with 500+ originations
Denial Rate
1.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 884 | 6.624% | $5,806 | $1,895 |
| fha | 348 | 6.250% | $11,613 | $2,345 |
| va | 214 | 6.250% | $8,805 | $1,802 |
| usda | 22 | 6.250% | $7,525 | $1,910 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 400 | 6.500% | $9,154 | #96 |
| Texas | 335 | 6.500% | $7,377 | #150 |
| Arizona | 101 | 6.490% | $5,985 | #103 |
| North Carolina | 85 | 6.375% | $8,681 | #164 |
| South Carolina | 79 | 6.490% | $5,563 | #132 |
| Washington | 77 | 6.625% | $4,983 | #124 |
| Ohio | 59 | 6.375% | $5,646 | #173 |
| Georgia | 46 | 6.250% | $9,738 | — |
| Virginia | 36 | 6.490% | $4,937 | — |
| Colorado | 35 | 6.500% | $7,882 | — |
| Nevada | 35 | 6.500% | $7,563 | — |
| Florida | 30 | 6.500% | $6,321 | — |
| Alabama | 27 | 6.375% | $5,429 | — |
| Tennessee | 27 | 6.500% | $5,849 | — |
| Utah | 27 | 6.375% | $8,275 | — |
| Michigan | 23 | 6.500% | $4,071 | — |
| Minnesota | 15 | 6.750% | $4,466 | — |
| Indiana | 5 | 6.625% | $8,217 | — |
| Wisconsin | 5 | 6.250% | $6,483 | — |
| Oregon | 4 | 6.375% | $4,234 | — |
| Idaho | 3 | 6.250% | $7,456 | — |
| Illinois | 3 | 6.500% | $6,628 | — |
| Kentucky | 3 | 6.125% | $5,486 | — |
| Arkansas | 2 | 6.688% | $3,506 | — |
| Montana | 2 | 6.188% | $10,383 | — |
| Oklahoma | 2 | 6.490% | $8,202 | — |
| Louisiana | 1 | 6.125% | $7,533 | — |
| Pennsylvania | 1 | 6.625% | $6,578 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,495 | 6.625% | — | 49 | −$2,919 | |
| 2 | $4,591 | 6.624% | — | 18 | −$2,823 | |
| 3 | $4,920 | 6.500% | — | 65 | −$2,494 | |
| 4 | $5,365 | 6.495% | — | 14 | −$2,049 | |
| 5 | $6,154 | 6.625% | — | 69 | −$1,260 | |
| 6 | $6,211 | 6.490% | — | 21 | −$1,203 | |
| 7 | $6,676 | 6.375% | — | 19 | −$738 | |
| 8 | $7,278 | 6.750% | — | 20 | −$136 | |
| 9 | $7,791 | 6.375% | — | 16 | +$377 | |
| 10 | $7,882 | 6.433% | — | 16 | +$468 | |
| 11 | $8,409 | 6.500% | — | 28 | +$995 | |
| 12 | $8,452 | 6.500% | — | 121 | +$1,038 | |
| 13 | $8,624 | 6.490% | — | 31 | +$1,210 | |
| 14 | $9,146 | 6.490% | — | 17 | +$1,732 | |
| 15 | $9,828 | 6.562% | — | 22 | +$2,414 | |
| 16 | $9,940 | 6.500% | — | 24 | +$2,526 | |
| 17 | $10,311 | 6.433% | — | 122 | +$2,897 | |
| 18 | $10,479 | 6.375% | — | 39 | +$3,065 | |
| 19 | $10,727 | 6.490% | — | 15 | +$3,313 | |
| 20 | $13,816 | 6.500% | — | 15 | +$6,402 |
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 Wholesale Mortgage, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $345,000 | $335,000 | +$10,000 (+3.0%) |
| Median total closing costs | $7,414 | $7,127 | +$287 (+4.0%) |
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.