Purchase Originations
298
Median Total Costs
$5,424
−18.8% vs national ($6,680)
↑ $274 vs prior year
Median Rate
7.275%
+12.1% vs national (6.490%)
↓ 0.925% vs prior year
Median Origination
$3,369
Median Lender Credits
$40
Denial Rate
4.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 298 | 7.275% | $5,424 | $3,369 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,439 | 6.470% | — | 4 | −$2,985 | |
| 2 | $2,814 | 6.990% | — | 20 | −$2,610 | |
| 3 | $3,487 | 6.950% | — | 7 | −$1,937 | |
| 4 | $3,691 | 7.938% | — | 8 | −$1,733 | |
| 5 | $4,135 | 7.188% | — | 12 | −$1,289 | |
| 6 | $4,404 | 7.750% | — | 8 | −$1,020 | |
| 7 | $4,405 | 7.200% | — | 5 | −$1,019 | |
| 8 | $4,547 | 7.250% | — | 5 | −$877 | |
| 9 | $4,664 | 6.125% | — | 5 | −$760 | |
| 10 | $4,762 | 6.620% | — | 14 | −$662 | |
| 11 | $4,879 | 6.950% | — | 15 | −$545 | |
| 12 | $5,037 | 7.250% | — | 7 | −$387 | |
| 13 | $5,045 | 7.975% | — | 10 | −$379 | |
| 14 | $5,158 | 6.950% | — | 6 | −$266 | |
| 15 | $6,099 | 7.950% | — | 59 | +$675 | |
| 16 | $6,320 | 7.250% | — | 28 | +$896 | |
| 17 | $6,372 | 7.575% | — | 16 | +$948 | |
| 18 | $6,732 | 7.900% | — | 17 | +$1,308 | |
| 19 | $7,231 | 7.250% | — | 16 | +$1,807 | |
| 20 | $7,654 | 7.250% | — | 6 | +$2,230 |
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 | River Bank & Trust | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $335,000 | $335,000 | +$0 (+0.0%) |
| Median total closing costs | $5,424 | $7,127 | −$1,703 (−23.9%) |
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.