Purchase Originations
445
Median Total Costs
$2,565
−61.6% vs national ($6,680)
↑ $117 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$885
Median Lender Credits
$91
Denial Rate
0.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 306 | 6.375% | $2,228 | $885 |
| fha | 94 | 6.125% | $4,941 | $985 |
| va | 43 | 5.990% | $4,322 | $951 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,141 | 6.250% | — | 202 | −$424 | |
| 2 | $2,208 | 6.688% | — | 4 | −$357 | |
| 3 | $2,326 | 6.183% | — | 2 | −$239 | |
| 4 | $2,465 | 6.125% | — | 5 | −$100 | |
| 5 | $2,517 | 6.250% | — | 11 | −$48 | |
| 6 | $2,591 | 6.375% | — | 45 | +$26 | |
| 7 | $2,591 | 6.125% | — | 21 | +$26 | |
| 8 | $2,597 | 6.308% | — | 4 | +$32 | |
| 9 | $2,676 | 6.500% | — | 2 | +$111 | |
| 10 | $2,818 | 6.375% | — | 17 | +$253 | |
| 11 | $2,845 | 6.375% | — | 5 | +$280 | |
| 12 | $2,857 | 6.250% | — | 7 | +$292 | |
| 13 | $2,881 | 6.375% | — | 87 | +$316 | |
| 14 | $3,227 | 6.250% | — | 7 | +$662 | |
| 15 | $3,251 | 5.933% | — | 4 | +$686 | |
| 16 | $3,852 | 6.312% | — | 2 | +$1,287 | |
| 17 | $3,863 | 6.250% | — | 3 | +$1,298 | |
| 18 | $4,003 | 6.058% | — | 2 | +$1,438 | |
| 19 | $5,369 | 5.938% | — | 2 | +$2,804 | |
| 20 | $6,839 | 6.438% | — | 2 | +$4,274 |
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 | Ruhl Mortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $185,000 | $335,000 | −$150,000 (−44.8%) |
| Median total closing costs | $2,565 | $7,127 | −$4,562 (−64.0%) |
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.