Grade D · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$8,116
median across reports
vs. National Average
140%
above national avg
Avg Origination Charge
$4,187
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $4,187 | $1,584 | 🔺 High |
| discount_points | $3,359 | $2,242 | 🔴 Above Avg |
| lender_credits | $1,406 | $428 | 🔺 High |
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Check My Loan Estimate — $19Based on 392 homebuyer-submitted Closing Disclosures, Advance Financial Group, LLC's median total closing costs are $8,116. This is about 140% 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 Advance Financial Group, LLC's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
344
Median Total Costs
$8,291
+24.1% vs national ($6,680)
Median Rate
6.490%
+0.0% vs national (6.490%)
Median Origination
$3,880
Median Lender Credits
$72
Denial Rate
2.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 184 | 6.625% | $6,889 | $4,064 |
| va | 114 | 6.250% | $11,613 | $3,498 |
| fha | 46 | 6.188% | $12,052 | $3,793 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Virginia | 312 | 6.490% | $8,176 | #59 |
| North Carolina | 27 | 6.490% | $9,209 | — |
| Florida | 4 | 6.188% | $12,573 | — |
| Pennsylvania | 1 | 6.625% | $7,822 | — |
| This lender | Virginia median | National median | |
|---|---|---|---|
| Total Closing Costs | $8,176 | $6,860 | $6,680 |
| Interest Rate | 6.490% | 6.450% | 6.490% |
| Originations in state | 312 | — | — |
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 | Advance Financial Group, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $375,000 | $335,000 | +$40,000 (+11.9%) |
| Median total closing costs | $8,291 | $7,127 | +$1,164 (+16.3%) |