Does Academy Mortgage charge junk fees?

31% of Closing Disclosures we've analyzed for Academy Mortgage included at least one fee flagged as potentially excessive. Origination Fee fees stand out in particular, averaging $8,776 compared to a peer average of $7,829. "Junk fees" are charges that are inflated beyond what comparable lenders charge or that provide little discernible value to the borrower. Upload your Closing Disclosure for a line-by-line analysis of your specific loan. This is informational only and not financial or legal advice.

How do Academy Mortgage's fees compare to other lenders?

Academy Mortgage currently holds a grade of D on Fair Closing Check, placing them above the national average, meaning borrowers may pay more than necessary. Their median closing costs of $18,506 are about 13% above the $16,418 national peer median. Grades are based on real homebuyer-submitted Closing Disclosures and scale from A (well below average) to F (significantly above average). This is informational only; individual loans vary by state, loan type, and borrower circumstances.

Can I negotiate closing costs with Academy Mortgage?

Yes — closing costs are almost always negotiable to some degree. Based on our data, Academy Mortgage's origination fee (avg $8,776 vs $7,829 peer avg) and title insurance (avg $3,361 vs $3,110 peer avg) have both run above comparable lenders — making them the most important fees to challenge. Lender-controlled fees like origination, processing, and underwriting charges can often be reduced or waived, especially if you have a strong credit profile or are comparing offers from multiple lenders. Third-party fees such as title insurance and settlement services can sometimes be shopped around for better rates — you are generally entitled to choose your own providers. Fair Closing Check analyzes your specific Closing Disclosure and identifies which fees to challenge and how much room there is to negotiate. This is informational only and not legal or financial advice.

Fair Closing Check

Academy Mortgage

Name: Fair Closing Check — Closing Disclosure Audit
Brand: Fair Closing Check
Price: 29.00 USD
Availability: InStock

Mortgage Company · Utah · NMLS #3113

49 verified reports

Avg Closing Costs

$18,506

median across reports

vs. National Average

13%

above national avg

Avg Origination Charge

$8,776

Section A lender fee

Reports with Junk Fees

31%

of submitted reports

Fee Breakdown

Filter by state:

Fee Category	This Lender (avg)	National Avg	Verdict
Origination Fee	$8,776	$7,829	🔴 Above Avg
Title Insurance	$3,361	$3,110	🟡 Average
Underwriting Fee	$1,659	$1,459	🔴 Above Avg
Appraisal	$1,207	$1,065	🔴 Above Avg
Settlement/Closing Fee	$1,128	$973	🔴 Above Avg
Processing Fee	$878	$777	🔴 Above Avg
Title Search	$434	$388	🔴 Above Avg
Recording Fee	$382	$340	🔴 Above Avg
Rate Lock Fee	$346	$347	🟡 Average
Document Preparation	$157	$164	🟡 Average
Tax Service Fee	$138	$126	🟡 Average
Credit Report	$78	$68	🔴 Above Avg
Wire Transfer Fee	$77	$68	🔴 Above Avg
Courier/Delivery	$66	$58	🔴 Above Avg
Flood Certification	$26	$23	🔴 Above Avg

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Frequently Asked Questions

Based on 49 closing cost reports

Based on 49 homebuyer-submitted Closing Disclosures, Academy Mortgage's median total closing costs are $18,506. This is about 13% above the $16,418 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.

Related Guides

Are Closing Costs Negotiable?

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What Are Junk Fees on a Mortgage?

Spot the charges that pad lender profits.

How to Read Your Closing Disclosure

Page-by-page walkthrough of the 5-page form.

Average Closing Costs by State

Benchmark your costs against the state average.

Closing Costs in Utah

State-specific benchmarks for Utah.

Compare Academy Mortgage with another lender

See how closing costs compare side-by-side