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
162%
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 | $1,618 | 🔺 High |
| discount_points | $4,420 | $1,883 | 🔺 High |
| Title Insurance | $3,110 | $3,405 | 🟡 Average |
| Underwriting Fee | $1,442 | $1,546 | 🟡 Average |
| Appraisal | $1,057 | $1,125 | 🟡 Average |
| Settlement/Closing Fee | $937 | $1,053 | 🟢 Below Avg |
| Processing Fee | $756 | $841 | 🟢 Below Avg |
| lender_credits | $544 | $358 | 🔺 High |
| Title Search | $383 | $412 | 🟡 Average |
| Rate Lock Fee | $342 | $370 | 🟡 Average |
| Recording Fee | $325 | $364 | 🟢 Below Avg |
| Document Preparation | $141 | $159 | 🟢 Below Avg |
| Tax Service Fee | $125 | $135 | 🟡 Average |
| Credit Report | $67 | $71 | 🟡 Average |
| Wire Transfer Fee | $66 | $72 | 🟡 Average |
| Courier/Delivery | $57 | $63 | 🟡 Average |
| Flood Certification | $23 | $25 | 🟡 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 162% above the $3,257 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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Federal data snapshot (2025)
In 2025, American Pacific Mortgage Corporation originated 16,322 purchase loans with median closing costs of $9,054.
See 2025 HMDA market data for American Pacific Mortgage Corporation →Popular Refinance Pages
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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.