Purchase Originations
152
Median Total Costs
$7,325
+9.7% vs national ($6,680)
↓ $143 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$4,008
Median Lender Credits
$2,500
Denial Rate
24.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 126 | 6.750% | $6,968 | $4,125 |
| fha | 20 | 6.625% | $10,629 | $3,977 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Indiana | 40 | 6.625% | $8,617 | — |
| Ohio | 15 | 6.875% | $7,772 | — |
| Illinois | 12 | 6.688% | $6,144 | — |
| Missouri | 9 | 7.125% | $5,063 | — |
| Michigan | 8 | 6.500% | $7,934 | — |
| New York | 8 | 7.125% | $6,875 | — |
| Pennsylvania | 7 | 6.750% | $7,885 | — |
| Georgia | 6 | 6.938% | $6,279 | — |
| Kansas | 6 | 6.500% | $9,021 | — |
| Kentucky | 5 | 6.875% | $6,959 | — |
| Texas | 5 | 6.000% | $7,927 | — |
| Iowa | 4 | 7.250% | $9,961 | — |
| South Carolina | 4 | 7.250% | $4,285 | — |
| Wisconsin | 4 | 6.625% | $9,891 | — |
| Florida | 3 | 6.375% | $12,995 | — |
| Mississippi | 3 | 6.875% | $8,271 | — |
| Alabama | 2 | 6.875% | $6,777 | — |
| Minnesota | 2 | 7.250% | $6,987 | — |
| North Carolina | 2 | 6.188% | $15,024 | — |
| Oklahoma | 2 | 7.000% | $6,356 | — |
| Virginia | 2 | 6.188% | $8,606 | — |
| Arkansas | 1 | 5.625% | $6,282 | — |
| New Jersey | 1 | 5.875% | $15,695 | — |
| West Virginia | 1 | 7.000% | $4,317 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,804 | 6.125% | — | 2 | −$3,521 | |
| 2 | $4,316 | 7.000% | — | 1 | −$3,009 | |
| 3 | $4,655 | 7.125% | — | 1 | −$2,670 | |
| 4 | $5,622 | 7.125% | — | 2 | −$1,703 | |
| 5 | $5,842 | 7.000% | — | 1 | −$1,483 | |
| 6 | $5,932 | 6.750% | — | 1 | −$1,393 | |
| 7 | $6,066 | 6.750% | — | 6 | −$1,259 | |
| 8 | $6,115 | 6.375% | — | 2 | −$1,210 | |
| 9 | $6,551 | 6.875% | — | 1 | −$774 | |
| 10 | $6,799 | 6.750% | — | 4 | −$526 | |
| 11 | $6,868 | 7.125% | — | 1 | −$457 | |
| 12 | $6,918 | 6.625% | — | 1 | −$407 | |
| 13 | $8,473 | 6.500% | — | 8 | +$1,148 | |
| 14 | $8,972 | 6.562% | — | 4 | +$1,647 | |
| 15 | $9,817 | 7.375% | — | 1 | +$2,492 | |
| 16 | $11,422 | 6.562% | — | 2 | +$4,097 | |
| 17 | $12,348 | 6.875% | — | 1 | +$5,023 | |
| 18 | $12,363 | 6.938% | — | 2 | +$5,038 | |
| 19 | $12,747 | 6.500% | — | 1 | +$5,422 | |
| 20 | $14,909 | 6.250% | — | 3 | +$7,584 |
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 | Royal United Mortgage LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $150,000 | $335,000 | −$185,000 (−55.2%) |
| Median total closing costs | $7,325 | $7,127 | +$198 (+2.8%) |
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.