Purchase Originations
282
Median Total Costs
$8,382
+25.5% vs national ($6,680)
↑ $847 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.500% vs prior year
Median Origination
$3,839
Median Lender Credits
$287
Denial Rate
14.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 182 | 6.250% | $8,569 | $3,790 |
| usda | 70 | 6.250% | $7,525 | $3,781 |
| va | 22 | 6.000% | $8,643 | $5,900 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Puerto Rico | 282 | 6.250% | $8,382 | #11 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $7,012 | 6.625% | — | 6 | −$1,370 | |
| 2 | $7,664 | 5.875% | — | 6 | −$718 | |
| 3 | $7,706 | 6.250% | — | 9 | −$676 | |
| 4 | $7,714 | 6.000% | — | 10 | −$668 | |
| 5 | $7,899 | 6.250% | — | 9 | −$483 | |
| 6 | $7,995 | 6.000% | — | 8 | −$387 | |
| 7 | $8,019 | 6.125% | — | 6 | −$363 | |
| 8 | $8,023 | 6.000% | — | 5 | −$359 | |
| 9 | $8,115 | 6.250% | — | 8 | −$267 | |
| 10 | $8,176 | 6.250% | — | 8 | −$206 | |
| 11 | $8,534 | 6.000% | — | 47 | +$152 | |
| 12 | $8,666 | 6.250% | — | 13 | +$284 | |
| 13 | $8,694 | 6.250% | — | 20 | +$312 | |
| 14 | $8,699 | 5.750% | — | 6 | +$317 | |
| 15 | $8,733 | 6.000% | — | 15 | +$351 | |
| 16 | $8,737 | 6.000% | — | 14 | +$355 | |
| 17 | $8,954 | 6.250% | — | 10 | +$572 | |
| 18 | $9,269 | 5.750% | — | 10 | +$887 | |
| 19 | $10,387 | 6.125% | — | 8 | +$2,005 | |
| 20 | $12,943 | 5.750% | — | 5 | +$4,561 |
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 | RM Actual Mortgage, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $135,000 | $335,000 | −$200,000 (−59.7%) |
| Median total closing costs | $8,382 | $7,127 | +$1,255 (+17.6%) |
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.