Grade B · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$6,725
median across reports
vs. National Average
5%
above national avg
Avg Origination Charge
$4,093
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $4,093 | $3,743 | 🟡 Average |
| discount_points | $2,087 | $3,585 | 🟢 Below Avg |
| lender_credits | $346 | $1,150 | 🟢 Below Avg |
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Based on 302 homebuyer-submitted Closing Disclosures, AgFirst Farm Credit Bank's median total closing costs are $6,725. This is about 5% above the $6,435 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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What Are Junk Fees on a Mortgage?
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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.
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Aggregates from AgFirst Farm Credit Bank's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
182
Median Total Costs
$7,178
+7.5% vs national ($6,680)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$4,064
Median Lender Credits
$104
Denial Rate
9.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 182 | 6.500% | $7,178 | $4,064 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Georgia | 51 | 6.375% | $8,313 | #204 |
| North Carolina | 51 | 6.500% | $6,944 | #201 |
| South Carolina | 32 | 6.500% | $7,100 | — |
| Florida | 17 | 7.000% | $7,036 | — |
| Kentucky | 12 | 6.625% | $5,312 | — |
| Virginia | 10 | 6.688% | $4,368 | — |
| Texas | 7 |
| This lender | Georgia median | National median | |
|---|---|---|---|
| Total Closing Costs | $8,313 | $8,007 | $6,680 |
| Interest Rate | 6.375% | 6.380% | 6.490% |
| Originations in state | 51 | — | — |
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 | AgFirst Farm Credit Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $345,000 | $335,000 | +$10,000 (+3.0%) |
| Median total closing costs | $7,178 | $7,127 | +$51 (+0.7%) |
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This content is for informational purposes only and does not constitute legal, financial, or tax advice. Consult a licensed professional for advice specific to your situation.
| 6.875% |
| $9,026 |
| — |
| New York | 1 | 6.750% | $4,080 | — |
| West Virginia | 1 | 7.000% | $4,022 | — |