Purchase Originations
261
Median Total Costs
$3,664
−45.1% vs national ($6,680)
↓ $55 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,150
Median Lender Credits
$432
Denial Rate
14.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 210 | 6.625% | $3,469 | $1,156 |
| fha | 33 | 6.500% | $8,146 | $2,304 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,315 | 7.125% | — | 1 | −$1,349 | |
| 2 | $2,549 | 6.625% | — | 1 | −$1,115 | |
| 3 | $2,884 | 6.625% | — | 4 | −$780 | |
| 4 | $2,902 | 6.433% | — | 10 | −$762 | |
| 5 | $3,050 | 6.625% | — | 1 | −$614 | |
| 6 | $3,394 | 6.490% | — | 3 | −$270 | |
| 7 | $3,435 | 6.438% | — | 10 | −$229 | |
| 8 | $3,439 | 6.500% | — | 6 | −$225 | |
| 9 | $3,538 | 6.625% | — | 65 | −$126 | |
| 10 | $3,598 | 6.188% | — | 4 | −$66 | |
| 11 | $3,733 | 6.625% | — | 105 | +$69 | |
| 12 | $3,850 | 6.875% | — | 16 | +$186 | |
| 13 | $3,954 | 6.625% | — | 15 | +$290 | |
| 14 | $6,407 | 6.812% | — | 2 | +$2,743 | |
| 15 | $7,146 | 6.000% | — | 1 | +$3,482 | |
| 16 | $7,329 | 6.625% | — | 1 | +$3,665 | |
| 17 | $7,691 | 7.160% | — | 2 | +$4,027 | |
| 18 | $8,684 | 6.375% | — | 3 | +$5,020 | |
| 19 | $8,815 | 6.000% | — | 1 | +$5,151 | |
| 20 | $13,435 | 5.990% | — | 1 | +$9,771 |
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 | Riverhills Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $245,000 | $335,000 | −$90,000 (−26.9%) |
| Median total closing costs | $3,664 | $7,127 | −$3,463 (−48.6%) |
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.