Purchase Originations
131
Median Total Costs
$8,387
+25.6% vs national ($6,680)
↑ $1,060 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.308% vs prior year
Median Origination
$3,365
Median Lender Credits
$137
Denial Rate
0.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 54 | 6.500% | $9,762 | $3,018 |
| usda | 34 | 6.625% | $7,920 | $4,049 |
| conventional | 31 | 6.875% | $6,810 | $2,271 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,560 | 6.625% | — | 4 | −$4,827 | |
| 2 | $5,190 | 6.438% | — | 10 | −$3,197 | |
| 3 | $5,251 | 6.875% | — | 2 | −$3,136 | |
| 4 | $6,537 | 6.812% | — | 4 | −$1,850 | |
| 5 | $6,568 | 6.750% | — | 17 | −$1,819 | |
| 6 | $7,190 | 7.000% | — | 2 | −$1,197 | |
| 7 | $7,201 | 6.750% | — | 21 | −$1,186 | |
| 8 | $7,445 | 6.438% | — | 2 | −$942 | |
| 9 | $7,935 | 6.625% | — | 4 | −$452 | |
| 10 | $8,186 | 6.562% | — | 6 | −$201 | |
| 11 | $9,372 | 6.812% | — | 2 | +$985 | |
| 12 | $9,421 | 6.562% | — | 2 | +$1,034 | |
| 13 | $9,427 | 7.125% | — | 3 | +$1,040 | |
| 14 | $10,037 | 6.500% | — | 2 | +$1,650 | |
| 15 | $12,053 | 6.500% | — | 4 | +$3,666 | |
| 16 | $12,914 | 6.500% | — | 4 | +$4,527 | |
| 17 | $13,403 | 6.875% | — | 2 | +$5,016 | |
| 18 | $16,086 | 6.562% | — | 6 | +$7,699 | |
| 19 | $20,301 | 7.683% | — | 2 | +$11,914 | |
| 20 | $36,292 | 6.745% | — | 2 | +$27,905 |
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 | ResMac, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $215,000 | $335,000 | −$120,000 (−35.8%) |
| Median total closing costs | $8,387 | $7,127 | +$1,260 (+17.7%) |
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.