Purchase Originations
198
Median Total Costs
$4,006
−40.0% vs national ($6,680)
↑ $1,372 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↑ 2.375% vs prior year
Median Origination
$900
Median Lender Credits
$495
Denial Rate
7.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 189 | 6.000% | $3,857 | $900 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 19 | 5.990% | $4,359 | — |
| California | 17 | 5.625% | $4,290 | — |
| Texas | 16 | 6.062% | $4,281 | — |
| South Carolina | 14 | 6.490% | $4,421 | — |
| North Carolina | 12 | 6.433% | $3,353 | — |
| Michigan | 10 | 5.990% | $3,389 | — |
| Maryland | 9 | 6.125% | $4,025 | — |
| Georgia | 7 | 3.625% | $3,993 | — |
| Virginia | 7 | 3.990% | $3,049 | — |
| Arizona | 6 | 5.625% | $4,064 | — |
| Colorado | 6 | 3.058% | $2,497 | — |
| New Jersey | 6 | 5.933% | $6,611 | — |
| New York | 6 | 4.062% | $4,230 | — |
| Tennessee | 6 | 6.625% | $5,414 | — |
| Pennsylvania | 5 | 5.990% | $4,304 | — |
| Washington | 5 | 3.250% | $2,809 | — |
| Alabama | 4 | 5.312% | $2,471 | — |
| Oregon | 4 | 3.062% | $2,846 | — |
| Connecticut | 3 | 5.990% | $7,002 | — |
| Illinois | 3 | 2.990% | $2,548 | — |
| Kansas | 3 | 6.375% | $5,776 | — |
| Minnesota | 3 | 6.490% | $4,695 | — |
| Missouri | 3 | 6.490% | $4,544 | — |
| Mississippi | 3 | 6.500% | $5,111 | — |
| Louisiana | 2 | 5.245% | $3,300 | — |
| New Hampshire | 2 | 3.125% | $2,424 | — |
| New Mexico | 2 | 5.490% | $2,474 | — |
| Ohio | 2 | 6.933% | $4,601 | — |
| Oklahoma | 2 | 6.808% | $4,674 | — |
| Utah | 2 | 4.870% | $3,701 | — |
| Wisconsin | 2 | 3.625% | $2,956 | — |
| Alaska | 1 | 5.750% | $4,105 | — |
| Arkansas | 1 | 6.750% | $1,899 | — |
| Delaware | 1 | 4.375% | $1,826 | — |
| Indiana | 1 | 6.375% | $2,980 | — |
| Kentucky | 1 | 6.250% | $8,538 | — |
| Nevada | 1 | 6.625% | $6,705 | — |
| Wyoming | 1 | 6.875% | $2,330 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,424 | 3.125% | — | 3 | −$1,582 | |
| 2 | $2,543 | 4.500% | — | 3 | −$1,463 | |
| 3 | $2,651 | 4.090% | — | 2 | −$1,355 | |
| 4 | $2,812 | 5.375% | — | 4 | −$1,194 | |
| 5 | $4,114 | 4.625% | — | 2 | +$108 | |
| 6 | $4,158 | 6.308% | — | 2 | +$152 | |
| 7 | $4,195 | 6.625% | — | 3 | +$189 | |
| 8 | $4,199 | 6.750% | — | 3 | +$193 | |
| 9 | $4,249 | 6.500% | — | 2 | +$243 | |
| 10 | $4,286 | 5.312% | — | 2 | +$280 | |
| 11 | $4,872 | 6.240% | — | 2 | +$866 | |
| 12 | $4,919 | 5.990% | — | 3 | +$913 | |
| 13 | $5,664 | 6.183% | — | 2 | +$1,658 | |
| 14 | $5,671 | 6.750% | — | 2 | +$1,665 | |
| 15 | $5,759 | 6.058% | — | 2 | +$1,753 | |
| 16 | $5,920 | 6.308% | — | 6 | +$1,914 | |
| 17 | $7,004 | 5.990% | — | 2 | +$2,998 | |
| 18 | $9,163 | 6.312% | — | 2 | +$5,157 | |
| 19 | $11,935 | 5.990% | — | 3 | +$7,929 | |
| 20 | $15,922 | 6.500% | — | 2 | +$11,916 |
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 | ROUNDPOINT MORTGAGE SERVICING LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $285,000 | $335,000 | −$50,000 (−14.9%) |
| Median total closing costs | $4,006 | $7,127 | −$3,121 (−43.8%) |
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.