Mortgage by CountyWhat home buyers actually paid, county by county

Independent analysis of official mortgage recordsHMDA 2025 · 7,155,718 applications

Lender profile · HMDA 2025

Residential Mortgage, LLC: 2025 mortgage rates, costs & approvals

How Residential Mortgage, LLC priced and approved home loans in 2025, measured against every lender in the official HMDA records.

HMDA legal name: RESIDENTIAL MORTGAGE, LLC · LEI 549300SCFWZXMDMZPE93

In 2025, Residential Mortgage, LLC originated 1,663 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 16 states — 311th by volume among the 2,017 lenders profiled here.

On conventional 30-year fixed purchase loans its median rate was 6.375% (all lenders: 6.625%); its median rate spread was 15 basis points below the national median. Median conventional loan costs were $5,340, 4% lower than the national median ($5,570).

It denied 3.9% of completed home-purchase applications (all lenders: 8.5%).

Loans
1,663
of 1,787 applications
Denial rate
3.9%
Purchase · all 8.5%
30-yr fixed rate
6.375%
Conv. · all 6.625%
Loan costs
$5,340
Conv. · all $5,570
Loan amount
$385,000
Purchase · all $335,000
Borrower income
$127,000
Purchase · all $116,000

How Residential Mortgage, LLC priced home-purchase loans

Purchase loans, 2025Residential Mortgage, LLCAll lenders
30-year fixed rate · conventional6.375%6.625%
30-year fixed rate · FHA6.125%6.250%
30-year fixed rate · VA5.990%6.125%
15-year fixed rate · conventional5.750%5.875%
Rate spread vs. APOR · conventional−0.01 pts+0.13 pts
Total loan costs · conventional$5,340$5,570
Total loan costs · FHA$11,310$11,310
Total loan costs · VA$9,760$6,490
Origination charges (all types)$2,740$1,860
Borrowers paying discount points68.5%51.3%
Points paid, when paid (% of loan)0.67%0.87%
Borrowers receiving lender credits26.6%33.1%

Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.

Loan mix and borrowers

By loan type

Conventional 67.3% 1,119
FHA 16.3% 271
VA 15.8% 262
USDA 0.7% 11

By purpose

Home purchase 88.2% 1,467
Refinance 6.4% 107
Cash-out refinance 5.4% 89
Home value
$425,000
Median, purchase loans
Down payment
5%
All lenders 10%
Refi rate
6.125%
30-yr fixed, conventional
Refi denial rate
16.9%
Cash-out 26.2%

Why Residential Mortgage, LLC denied purchase applications

Debt-to-income ratio 41.7% 25
Collateral (appraisal/property) 26.7% 16
Credit history 15.0% 9
Other 6.7% 4
Employment history 5.0% 3
Insufficient cash (down payment/closing costs) 3.3% 2
Unverifiable information 1.7% 1

First reason the lender reported for each denied home-purchase application.

Where Residential Mortgage, LLC lends

StateLoansApplicationsPurchase denial rate30-yr rate*Loan costs*
Alaska1,3151,3923.6%6.250%$4,370
Washington1181304.1%6.375%$7,970
Arizona82936.9%6.500%$8,180
Oregon52607.8%6.500%$5,650
Colorado33370.0%——
Idaho32428.0%——
Florida78———
California77———
Texas33———
Utah33———
Nevada23———
Georgia22———
Montana22———
Wisconsin22———
Wyoming22———
Tennessee11———

*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Residential Mortgage, LLC's page for that state.

Counties where Residential Mortgage, LLC is a top lender

Check Residential Mortgage, LLC yourself

This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.

Lenders of similar size

Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology