Purchase Originations
662
Ranked #523 nationally
Median Total Costs
$9,933
+48.7% vs national ($6,680)
↑ $2,818 vs prior year
Median Rate
5.750%
−11.4% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$2,740
Median Lender Credits
$874
Cost Rank (500+ vol.)
#539
among lenders with 500+ originations
Denial Rate
4.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 324 | 5.750% | $10,045 | $2,643 |
| va | 269 | 5.625% | $10,459 | $2,850 |
| conventional | 67 | 6.500% | $7,456 | $2,673 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 622 | 5.750% | $9,663 | #98 |
| New Mexico | 40 | 5.438% | $12,909 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,358 | 5.990% | — | 1 | −$5,575 | |
| 2 | $9,649 | 5.750% | — | 621 | −$284 | |
| 3 | $12,993 | 5.375% | — | 39 | +$3,060 | |
| 4 | $16,395 | 5.375% | — | 1 | +$6,462 |
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 | Rocky Mountain Mortgage Company | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $9,933 | $7,127 | +$2,806 (+39.4%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
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.