Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$0
median across reports
vs. National Average
100%
below national avg
Avg Origination Charge
$4,096
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $4,096 | $1,786 | 🔺 High |
| discount_points | $2,436 | $2,054 | 🔴 Above Avg |
| lender_credits | $1,196 | $401 | 🔺 High |
Based on 6,054 homebuyer-submitted Closing Disclosures, AMERICA FIRST Federal Credit Union's median total closing costs are $0. This is about 100% below the $3,201 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.
Are Closing Costs Negotiable?
Which fees you can push back on and how to do it.
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.
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Compare AMERICA FIRST Federal Credit Union with another lender
See how closing costs compare side-by-side