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%).
How Residential Mortgage, LLC priced home-purchase loans
| Purchase loans, 2025 | Residential Mortgage, LLC | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.375% | 6.625% |
| 30-year fixed rate · FHA | 6.125% | 6.250% |
| 30-year fixed rate · VA | 5.990% | 6.125% |
| 15-year fixed rate · conventional | 5.750% | 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 points | 68.5% | 51.3% |
| Points paid, when paid (% of loan) | 0.67% | 0.87% |
| Borrowers receiving lender credits | 26.6% | 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
By purpose
Why Residential Mortgage, LLC denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Residential Mortgage, LLC lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Alaska | 1,315 | 1,392 | 3.6% | 6.250% | $4,370 |
| Washington | 118 | 130 | 4.1% | 6.375% | $7,970 |
| Arizona | 82 | 93 | 6.9% | 6.500% | $8,180 |
| Oregon | 52 | 60 | 7.8% | 6.500% | $5,650 |
| Colorado | 33 | 37 | 0.0% | — | — |
| Idaho | 32 | 42 | 8.0% | — | — |
| Florida | 7 | 8 | — | — | — |
| California | 7 | 7 | — | — | — |
| Texas | 3 | 3 | — | — | — |
| Utah | 3 | 3 | — | — | — |
| Nevada | 2 | 3 | — | — | — |
| Georgia | 2 | 2 | — | — | — |
| Montana | 2 | 2 | — | — | — |
| Wisconsin | 2 | 2 | — | — | — |
| Wyoming | 2 | 2 | — | — | — |
| Tennessee | 1 | 1 | — | — | — |
*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
| County | Rank | Loans | Market share |
|---|---|---|---|
| Nome Census Area, AK | 1 | 18 | 48.6% |
| Kodiak Island Borough, AK | 1 | 35 | 35.0% |
| Northwest Arctic Borough, AK | 2 | 2 | 33.3% |
| Chugach Census Area, AK | 1 | 20 | 32.3% |
| Dillingham Census Area, AK | 1 | 4 | 25.0% |
| North Slope Borough, AK | 1 | 3 | 25.0% |
| Prince of Wales-Hyder Census Area, AK | 1 | 3 | 25.0% |
| Yukon-Koyukuk Census Area, AK | 4 | 1 | 25.0% |
| Anchorage Municipality, AK | 1 | 795 | 22.6% |
| Skagway Municipality, AK | 2 | 2 | 18.2% |
| Kenai Peninsula Borough, AK | 2 | 89 | 12.7% |
| Bristol Bay Borough, AK | 4 | 1 | 11.1% |
| Matanuska-Susitna Borough, AK | 3 | 229 | 10.4% |
| Ketchikan Gateway Borough, AK | 3 | 10 | 9.9% |
| Sitka City and Borough, AK | 3 | 4 | 9.5% |
Check Residential Mortgage, LLC yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300SCFWZXMDMZPE93.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Residential Mortgage, LLC with similar 2025 loans.
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