Grade F · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$13,707
median across reports
vs. National Average
308%
above national avg
Avg Origination Charge
$8,376
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $8,376 | $1,553 | 🔺 High |
| discount_points | $4,588 | $2,425 | 🔺 High |
| lender_credits | $3,090 | $443 | 🔺 High |
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Based on 1,902 homebuyer-submitted Closing Disclosures, Ameritrust Mortgage Corporation's median total closing costs are $13,707. This is about 308% above the $3,356 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 Ameritrust Mortgage Corporation with another lender
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Aggregates from Ameritrust Mortgage Corporation's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
1,341
Ranked #302 nationally
Median Total Costs
$14,775
+121.2% vs national ($6,680)
Median Rate
6.750%
+4.0% vs national (6.490%)
Median Origination
$7,020
Median Lender Credits
$969
Cost Rank (500+ vol.)
#606
among lenders with 500+ originations
Denial Rate
3.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 649 | 6.990% | $11,848 | $7,249 |
| fha | 620 | 6.500% | $17,536 | $7,160 |
| va | 61 | 6.500% | $6,712 | $1,543 |
| This lender | California median | National median | |
|---|---|---|---|
| Total Closing Costs | $16,323 | $9,309 | $6,680 |
| Interest Rate | 6.875% | 6.380% | 6.490% |
| Originations in state | 634 | — | — |
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 | Ameritrust Mortgage Corporation | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $415,000 | $335,000 | +$80,000 (+23.9%) |
| Median total closing costs | $14,775 | $7,127 | +$7,648 (+107.3%) |
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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.
| 7.250% |
| $9,248 |
| — |
| South Carolina | 23 | 7.500% | $11,553 | — |
| Connecticut | 21 | 6.125% | $12,568 | — |
| Georgia | 21 | 7.000% | $14,379 | — |
| Mississippi | 15 | 7.000% | $13,689 | — |
| Ohio | 15 | 6.375% | $6,405 | — |
| Pennsylvania | 15 | 6.625% | $10,795 | — |
| Illinois | 12 | 7.562% | $8,801 | — |
| North Carolina | 12 | 7.188% | $10,703 | — |
| New Jersey | 11 | 6.625% | $16,107 | — |
| Nevada | 11 | 6.750% | $12,165 | — |
| Arkansas | 10 | 6.750% | $4,067 | — |
| Arizona | 10 | 7.433% | $12,515 | — |
| Colorado | 10 | 7.188% | $11,834 | — |
| Washington | 9 | 6.990% | $14,094 | — |
| Alabama | 8 | 7.125% | $11,738 | — |
| Idaho | 8 | 6.625% | $13,430 | — |
| Tennessee | 8 | 6.990% | $12,075 | — |
| Oregon | 7 | 6.625% | $6,057 | — |
| Virginia | 5 | 7.500% | $15,096 | — |
| Missouri | 4 | 6.375% | $3,425 | — |
| Utah | 2 | 6.808% | $6,241 | — |
| Indiana | 1 | 6.375% | $9,196 | — |
| Kansas | 1 | 6.625% | $2,915 | — |
| Kentucky | 1 | 8.125% | $11,094 | — |