Grade F · 0% of disclosures flagged for junk fees
Mortgage Company · California · NMLS #207208
Avg Closing Costs
$10,334
median across reports
vs. National Average
206%
above national avg
Avg Origination Charge
$5,988
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $5,988 | $1,584 | 🔺 High |
| lender_credits | $5,396 | $428 | 🔺 High |
| Title Insurance | $3,363 | $3,111 | 🟡 Average |
| Underwriting Fee | $1,568 | $1,473 | 🟡 Average |
| Appraisal | $1,117 | $1,081 | 🟡 Average |
| Settlement/Closing Fee | $1,056 | $986 | 🟡 Average |
| Processing Fee | $844 | $790 | 🟡 Average |
| Title Search | $407 | $392 | 🟡 Average |
| Recording Fee | $354 | $344 | 🟡 Average |
| Rate Lock Fee | $331 | $376 | 🟢 Below Avg |
| Document Preparation | $181 | $147 | 🔴 Above Avg |
| Tax Service Fee | $133 | $128 | 🟡 Average |
| Credit Report | $74 | $69 | 🟡 Average |
| Wire Transfer Fee | $72 | $69 | 🟡 Average |
| Courier/Delivery | $62 | $58 | 🟡 Average |
| Flood Certification | $25 | $23 | 🟡 Average |
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Based on 11,510 homebuyer-submitted Closing Disclosures, American Financial Network's median total closing costs are $10,334. This is about 206% 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.
Are Closing Costs Negotiable?
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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.
Closing Costs in California
State-specific benchmarks for California.
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Aggregates from American Financial Network, Inc.'s 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
7,345
Ranked #58 nationally
Median Total Costs
$10,975
+64.3% vs national ($6,680)
Median Rate
6.625%
+2.1% vs national (6.490%)
Median Origination
$3,931
Median Lender Credits
$3,572
Cost Rank (500+ vol.)
#565
among lenders with 500+ originations
Denial Rate
10.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 3,683 | 6.750% | $13,683 | $4,529 |
| conventional | 2,985 | 6.750% | $7,383 | $3,694 |
| va | 546 | 6.250% | $9,027 | $2,090 |
| usda | 131 | 6.250% | $8,035 | $2,172 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 1,053 | 6.750% | $11,500 | #46 |
| California | 868 | 6.500% | $15,989 | #47 |
| Virginia | 512 | 6.625% | $9,585 | #40 |
| Texas | 491 | 6.750% | $11,598 | #115 |
| Michigan | 418 | 6.625% | $6,894 | #47 |
| New York | 399 | 6.750% | $13,610 | #58 |
| Arizona | 375 | 6.750% | $12,882 | #50 |
| Georgia | 311 | 6.750% | $11,622 | #78 |
| South Carolina | 310 | 6.500% | $9,789 | #53 |
| Indiana | 286 | 6.875% | $5,247 | #62 |
| New Jersey | 233 | 6.750% | $12,245 | #63 |
| Maryland | 217 | 6.990% | $14,394 | #60 |
| Nevada | 167 | 6.750% | $14,113 | #43 |
| Tennessee | 145 | 6.500% | $9,626 | #100 |
| Pennsylvania | 136 | 6.750% | $10,589 | #134 |
| Illinois | 116 | 6.990% | $9,969 | #140 |
| North Carolina | 114 | 6.750% | $10,357 | #143 |
| Utah | 108 | 6.250% | $8,703 | #54 |
| Washington | 104 | 6.625% | $12,667 | #108 |
| Ohio | 98 | 6.933% | $8,635 | #138 |
| Oregon | 98 | 6.500% | $14,188 | #71 |
| Oklahoma | 87 | 6.625% | $10,732 | #75 |
| Louisiana | 80 | 6.750% | $10,490 | #63 |
| Kansas | 75 | 6.750% | $5,332 | #82 |
| Colorado | 72 | 6.250% | $12,424 | #129 |
| Alabama | 67 | 6.750% | $10,837 | #117 |
| Massachusetts | 54 | 6.625% | $12,078 | #130 |
| Wisconsin | 52 | 6.875% | $3,426 | #137 |
| Kentucky | 47 | 7.250% | $8,388 | — |
| Minnesota | 30 | 7.058% | $12,192 | — |
| Missouri | 28 | 6.990% | $6,770 | — |
| Nebraska | 27 | 6.625% | $7,785 | — |
| Arkansas | 25 | 6.750% | $6,933 | — |
| New Mexico | 25 | 6.875% | $8,728 | — |
| Mississippi | 20 | 6.750% | $10,527 | — |
| Hawaii | 18 | 6.250% | $12,383 | — |
| Idaho | 14 | 6.500% | $11,098 | — |
| Delaware | 13 | 6.750% | $12,386 | — |
| Rhode Island | 11 | 6.875% | $11,755 | — |
| Connecticut | 10 | 6.750% | $17,080 | — |
| West Virginia | 7 | 6.750% | $11,496 | — |
| New Hampshire | 6 | 6.875% | $5,951 | — |
| Wyoming | 6 | 6.750% | $12,321 | — |
| Iowa | 4 | 7.250% | $10,169 | — |
| District of Columbia | 2 | 6.308% | $11,063 | — |
| Maine | 2 | 7.250% | $7,282 | — |
| Alaska | 1 | 6.250% | $13,728 | — |
| Montana | 1 | 5.750% | $10,909 | — |
| North Dakota | 1 | 7.500% | $18,158 | — |
| South Dakota | 1 | 7.625% | $11,357 | — |
| This lender | Florida median | National median | |
|---|---|---|---|
| Total Closing Costs | $11,500 | $8,663 | $6,680 |
| Interest Rate | 6.750% | 6.380% | 6.490% |
| Originations in state | 1,053 | — | — |
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 | American Financial Network, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $325,000 | $335,000 | −$10,000 (−3.0%) |
| Median total closing costs | $10,975 | $7,127 | +$3,848 (+54.0%) |