Grade D · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$8,632
median across reports
vs. National Average
155%
above national avg
Avg Origination Charge
$6,321
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $6,321 | $1,584 | 🔺 High |
| lender_credits | $5,135 | $428 | 🔺 High |
| discount_points | $3,044 | $2,242 | 🔴 Above Avg |
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Based on 1,373 homebuyer-submitted Closing Disclosures, Aaa Capital Investment, Inc.'s median total closing costs are $8,632. This is about 155% above the $3,383 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.
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Average Closing Costs by State
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Aggregates from Aaa Capital Investment, Inc.'s 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
697
Ranked #503 nationally
Median Total Costs
$9,842
+47.3% vs national ($6,680)
Median Rate
6.750%
+4.0% vs national (6.490%)
Median Origination
$6,040
Median Lender Credits
$4,000
Cost Rank (500+ vol.)
#535
among lenders with 500+ originations
Denial Rate
1.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 693 | 6.750% | $9,832 | $6,045 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 401 | 6.625% | $9,842 | #95 |
| Texas | 51 | 6.625% | $9,371 | #344 |
| Nevada | 33 | 6.500% | $11,107 | — |
| Florida | 30 | 6.875% | $12,740 | — |
| Maryland | 23 | 7.000% | $11,204 | — |
| Washington | 21 | 7.125% | $7,324 | — |
| Hawaii | 20 | 6.875% | $11,826 | — |
| Virginia | 19 | 6.875% | $11,361 | — |
| Arizona | 11 | 6.875% | $9,346 | — |
| Georgia | 10 | 6.688% | $9,290 | — |
| Oregon | 8 | 7.062% | $11,553 | — |
| Oklahoma | 7 | 7.000% | $8,161 | — |
| Colorado | 6 | 6.812% | $11,894 | — |
| Illinois | 6 | 6.688% | $10,046 | — |
| Michigan | 6 | 7.125% | $8,920 | — |
| North Carolina | 6 | 6.312% | $6,451 | — |
| South Carolina | 6 | 6.812% | $8,424 | — |
| Tennessee | 6 | 6.375% | $7,752 | — |
| Indiana | 5 | 7.250% | $7,526 | — |
| Pennsylvania | 5 | 7.375% | $9,817 | — |
| Kansas | 4 | 7.125% | $9,260 | — |
| Ohio | 4 | 6.750% | $7,579 | — |
| Minnesota | 2 | 6.000% | $6,286 | — |
| Nebraska | 2 | 6.438% | $7,358 | — |
| New Jersey | 2 | 6.375% | $14,673 | — |
| New Mexico | 2 | 7.250% | $9,760 | — |
| Idaho | 1 | 5.875% | $11,212 | — |
| This lender | California median | National median | |
|---|---|---|---|
| Total Closing Costs | $9,842 | $9,309 | $6,680 |
| Interest Rate | 6.625% | 6.380% | 6.490% |
| Originations in state | 401 | — | — |
Based on 2025 HMDA data. State and national medians cover all reporting lenders.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Aaa Capital Investment, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $535,000 | $335,000 | +$200,000 (+59.7%) |
| Median total closing costs | $9,842 | $7,127 | +$2,715 (+38.1%) |