JSC closing costs and rates (2024)
In 2024, JSC originated 424 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $7,075. That is $334 above the national median of $6,741. JSC is most active in Texas with 424 originations there.
Purchase Originations
424
Median Total Costs
$7,075
+5.0% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$2,269
Median Lender Credits
$560
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 424 | 6.625% | $7,075 | $2,269 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 424 | 6.625% | $7,075 | #137 |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,546 | 7.375% | — | 1 | −$2,529 | |
| 2 | $4,912 | 6.500% | — | 1 | −$2,163 | |
| 3 | $5,156 | 7.000% | — | 1 | −$1,919 | |
| 4 | $5,859 | 6.625% | — | 7 | −$1,216 | |
| 5 | $6,248 | 6.750% | — | 3 | −$827 | |
| 6 | $6,387 | 6.500% | — | 127 | −$688 | |
| 7 | $6,599 | 6.375% | — | 2 | −$476 | |
| 8 | $7,033 | 6.938% | — | 4 | −$42 | |
| 9 | $7,071 | 6.688% | — | 20 | −$4 | |
| 10 | $7,195 | 6.750% | — | 200 | +$120 | |
| 11 | $7,369 | 7.375% | — | 1 | +$294 | |
| 12 | $7,594 | 6.438% | — | 4 | +$519 | |
| 13 | $8,382 | 6.625% | — | 3 | +$1,307 | |
| 14 | $8,584 | 6.188% | — | 10 | +$1,509 | |
| 15 | $8,608 | 6.500% | — | 28 | +$1,533 | |
| 16 | $8,686 | 6.500% | — | 1 | +$1,611 | |
| 17 | $8,697 | 6.188% | — | 2 | +$1,622 | |
| 18 | $9,134 | 6.125% | — | 1 | +$2,059 | |
| 19 | $9,922 | 6.875% | — | 1 | +$2,847 | |
| 20 | $12,444 | 6.500% | — | 1 | +$5,369 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, 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.