Grade D · 0% of disclosures flagged for junk fees
Mortgage Company · California · NMLS #1850
Avg Closing Costs
$8,532
median across reports
vs. National Average
152%
above national avg
Avg Origination Charge
$4,999
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $4,999 | $1,584 | 🔺 High |
| discount_points | $4,420 | $2,242 | 🔺 High |
| Title Insurance | $3,110 | $3,111 | 🟡 Average |
| Underwriting Fee | $1,442 | $1,473 | 🟡 Average |
| Appraisal | $1,057 | $1,081 | 🟡 Average |
| Settlement/Closing Fee | $937 | $986 | 🟡 Average |
| Processing Fee | $756 | $790 | 🟡 Average |
| lender_credits | $544 | $428 | 🔴 Above Avg |
| Title Search | $383 | $392 | 🟡 Average |
| Rate Lock Fee | $342 | $376 | 🟡 Average |
| Recording Fee | $325 | $344 | 🟡 Average |
| Document Preparation | $141 | $147 | 🟡 Average |
| Tax Service Fee | $125 | $128 | 🟡 Average |
| Credit Report | $67 | $69 | 🟡 Average |
| Wire Transfer Fee | $66 | $69 | 🟡 Average |
| Courier/Delivery | $57 | $58 | 🟡 Average |
| Flood Certification | $23 | $23 | 🟡 Average |
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Based on 20,505 homebuyer-submitted Closing Disclosures, American Pacific Mortgage's median total closing costs are $8,532. This is about 152% 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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Average Closing Costs by State
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Closing Costs in California
State-specific benchmarks for California.
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Aggregates from American Pacific Mortgage Corporation's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
16,322
Ranked #27 nationally
Median Total Costs
$9,054
+35.5% vs national ($6,680)
Median Rate
6.625%
+2.1% vs national (6.490%)
Median Origination
$4,042
Median Lender Credits
$120
Cost Rank (500+ vol.)
#502
among lenders with 500+ originations
Denial Rate
6.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 9,241 | 6.750% | $6,971 | $3,674 |
| fha | 4,960 | 6.500% | $13,370 | $4,689 |
| va | 1,747 | 6.375% | $10,272 | $4,142 |
| usda | 374 | 6.375% | $8,111 | $3,318 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 2,075 | 6.625% | $9,707 | #21 |
| Illinois | 1,691 | 6.750% | $7,200 | #13 |
| Texas | 1,401 | 6.500% | $11,042 | #47 |
| Florida | 1,306 | 6.625% | $12,711 | #37 |
| Washington | 1,145 | 6.625% | $9,308 | #14 |
| Georgia | 1,052 | 6.500% | $10,755 | #21 |
| Arizona | 1,050 | 6.625% | $9,659 | #17 |
| Oregon | 605 | 6.625% | $9,036 | #14 |
| Tennessee | 602 | 6.500% | $9,844 | #28 |
| Ohio | 517 | 6.750% | $6,505 | #49 |
| Wisconsin | 514 | 6.625% | $6,378 | #30 |
| Indiana | 406 | 6.875% | $6,497 | #44 |
| Missouri | 404 | 6.625% | $5,024 | #29 |
| South Carolina | 360 | 6.625% | $10,430 | #47 |
| Michigan | 357 | 6.750% | $7,234 | #55 |
| Idaho | 249 | 6.500% | $9,309 | #24 |
| Utah | 249 | 6.500% | $8,823 | #29 |
| Pennsylvania | 232 | 6.688% | $8,956 | #99 |
| Nevada | 224 | 6.375% | $10,728 | #35 |
| Maryland | 189 | 6.750% | $10,654 | #67 |
| Minnesota | 178 | 6.750% | $7,586 | #66 |
| Virginia | 175 | 6.625% | $9,647 | #91 |
| North Carolina | 154 | 6.625% | $10,570 | #125 |
| Iowa | 150 | 6.750% | $6,043 | #47 |
| Alabama | 111 | 6.250% | $7,320 | #89 |
| West Virginia | 100 | 6.625% | $9,116 | #35 |
| Louisiana | 93 | 6.750% | $7,330 | #60 |
| Wyoming | 93 | 6.500% | $8,593 | #12 |
| Colorado | 81 | 6.500% | $10,182 | #118 |
| Oklahoma | 73 | 6.750% | $6,238 | #83 |
| New Mexico | 72 | 6.625% | $10,074 | #53 |
| Arkansas | 60 | 6.125% | $5,622 | #86 |
| South Dakota | 58 | 6.500% | $10,373 | #29 |
| Kansas | 54 | 6.750% | $5,601 | #96 |
| Kentucky | 54 | 6.990% | $7,929 | #112 |
| Delaware | 50 | 6.750% | $9,658 | #44 |
| Montana | 37 | 6.750% | $10,917 | — |
| Hawaii | 27 | 6.750% | $11,244 | — |
| Massachusetts | 17 | 6.500% | $8,813 | — |
| Nebraska | 14 | 6.375% | $8,158 | — |
| Mississippi | 11 | 6.875% | $10,290 | — |
| New Jersey | 8 | 6.625% | $8,272 | — |
| North Dakota | 7 | 6.375% | $13,618 | — |
| Alaska | 3 | 6.990% | $5,560 | — |
| New Hampshire | 3 | 6.500% | $11,734 | — |
| Rhode Island | 3 | 6.875% | $10,198 | — |
| Connecticut | 2 | 6.620% | $12,630 | — |
| District of Columbia | 2 | 6.750% | $7,642 | — |
| Maine | 2 | 7.183% | $5,195 | — |
| Vermont | 2 | 6.625% | $10,246 | — |
| This lender | California median | National median | |
|---|---|---|---|
| Total Closing Costs | $9,707 | $9,309 | $6,680 |
| Interest Rate | 6.625% | 6.380% | 6.490% |
| Originations in state | 2,075 | — | — |
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 Pacific Mortgage Corporation | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $325,000 | $335,000 | −$10,000 (−3.0%) |
| Median total closing costs | $9,054 | $7,127 | +$1,927 (+27.0%) |