Grade D · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$8,903
median across reports
vs. National Average
163%
above national avg
Avg Origination Charge
$4,595
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $4,595 | $1,584 | 🔺 High |
| discount_points | $4,518 | $2,242 | 🔺 High |
| lender_credits | $972 | $428 | 🔺 High |
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Check My Loan Estimate — $19Based on 743 homebuyer-submitted Closing Disclosures, Unmb Home Loans Inc.'s median total closing costs are $8,903. This is about 163% 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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How to Read Your Closing Disclosure
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Average Closing Costs by State
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Aggregates from Unmb Home Loans Inc.'s 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
642
Ranked #538 nationally
Median Total Costs
$8,651
+29.5% vs national ($6,680)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$3,143
Median Lender Credits
$519
Cost Rank (500+ vol.)
#480
among lenders with 500+ originations
Denial Rate
5.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 470 | 6.625% | $6,724 | $2,685 |
| fha | 150 | 6.375% | $18,242 | $4,600 |
| va | 22 | 6.375% | $6,095 | $1,090 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 465 | 6.500% | $8,571 | #50 |
| New Jersey | 64 | 6.625% | $10,286 | #136 |
| Tennessee | 34 | 6.312% | $6,728 | — |
| Connecticut | 21 | 6.625% | $9,889 | — |
| Georgia | 12 | 6.433% | $7,036 | — |
| Florida | 11 | 6.625% | $9,372 | — |
| Pennsylvania | 11 | 6.500% | $6,854 | — |
| North Carolina | 9 | 6.625% | $4,214 | — |
| Texas | 3 | 6.750% | $7,892 | — |
| South Carolina | 2 | 5.625% | $16,918 | — |
| Virginia | 2 | 6.625% | $17,233 | — |
| California | 1 | 6.625% | $37,581 | — |
| Colorado | 1 | 7.490% | $3,687 | — |
| Kentucky | 1 | 7.250% | $15,118 | — |
| Massachusetts | 1 | 7.125% | $11,762 | — |
| Maryland | 1 | 4.990% | $33,052 | — |
| Ohio | 1 | 6.990% | $2,780 | — |
| Rhode Island | 1 | 6.124% | $15,036 | — |
| Washington | 1 | 6.990% | $4,817 | — |
| This lender | New York median | National median | |
|---|---|---|---|
| Total Closing Costs | $8,571 | $6,400 | $6,680 |
| Interest Rate | 6.500% | 6.500% | 6.490% |
| Originations in state | 465 | — | — |
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 | Unmb Home Loans Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $480,000 | $335,000 | +$145,000 (+43.3%) |
| Median total closing costs | $8,651 | $7,127 | +$1,524 (+21.4%) |