Grade D · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$8,077
median across reports
vs. National Average
139%
above national avg
Avg Origination Charge
$4,106
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $4,106 | $1,584 | 🔺 High |
| lender_credits | $2,094 | $428 | 🔺 High |
| discount_points | $2,045 | $2,242 | 🟡 Average |
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Check My Loan Estimate — $19Based on 1,238 homebuyer-submitted Closing Disclosures, The Money House, Inc.'s median total closing costs are $8,077. This is about 139% 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 The Money House, Inc.'s 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
1,126
Ranked #346 nationally
Median Total Costs
$8,177
+22.4% vs national ($6,680)
Median Rate
6.000%
−7.5% vs national (6.490%)
Median Origination
$3,674
Median Lender Credits
$1,300
Cost Rank (500+ vol.)
#452
among lenders with 500+ originations
Denial Rate
6.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 758 | 6.000% | $8,671 | $3,684 |
| conventional | 190 | 7.125% | $5,639 | $3,193 |
| usda | 99 | 6.000% | $8,292 | $3,942 |
| va | 79 | 6.000% | $8,502 | $5,005 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Puerto Rico | 1,125 | 6.000% | $8,174 | #3 |
| Florida | 1 | 6.500% | $8,502 | — |
| This lender | Puerto Rico median | National median | |
|---|---|---|---|
| Total Closing Costs | $8,174 | $8,884 | $6,680 |
| Interest Rate | 6.000% | 6.000% | 6.490% |
| Originations in state | 1,125 | — | — |
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 | The Money House, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $135,000 | $335,000 | −$200,000 (−59.7%) |
| Median total closing costs | $8,177 | $7,127 | +$1,050 (+14.7%) |