Grade F · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$12,865
median across reports
vs. National Average
100%
above national avg
Avg Origination Charge
$28,376
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $28,376 | $3,743 | 🔺 High |
| discount_points | $9,703 | $3,585 | 🔺 High |
| lender_credits | $1,445 | $1,150 | 🔴 Above Avg |
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Based on 438 homebuyer-submitted Closing Disclosures, Axos Bank's median total closing costs are $12,865. This is about 100% above the $6,435 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.
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Aggregates from Axos Bank's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
193
Median Total Costs
$11,506
+72.3% vs national ($6,680)
Median Rate
6.625%
+2.1% vs national (6.490%)
Median Origination
$3,900
Median Lender Credits
$1,151
Denial Rate
12.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 192 | 6.625% | $11,092 | $3,819 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 93 | 6.625% | $18,005 | #211 |
| New York | 15 | 6.000% | $4,953 | — |
| Florida | 12 | 6.750% | $32,297 | — |
| Tennessee | 8 | 6.938% | $12,413 | — |
| Nevada | 7 | 6.490% | $5,408 | — |
| Washington | 7 | 6.750% | $14,886 | — |
| North Carolina | 5 |
| This lender | California median | National median | |
|---|---|---|---|
| Total Closing Costs | $18,005 | $9,309 | $6,680 |
| Interest Rate | 6.625% | 6.380% | 6.490% |
| Originations in state | 93 | — | — |
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 | Axos Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $915,000 | $335,000 | +$580,000 (+173.1%) |
| Median total closing costs | $11,506 | $7,127 | +$4,379 (+61.4%) |
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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.
| 6.500% |
| $3,228 |
| — |
| Texas | 5 | 6.750% | $8,269 | — |
| Utah | 4 | 6.750% | $8,334 | — |
| Virginia | 4 | 5.938% | $3,569 | — |
| Arizona | 3 | 6.875% | $16,762 | — |
| Georgia | 3 | 6.375% | $4,181 | — |
| Kansas | 3 | 5.875% | $2,628 | — |
| Oregon | 3 | 6.625% | $15,948 | — |
| Hawaii | 2 | 6.875% | $58,277 | — |
| Idaho | 2 | 6.688% | $21,549 | — |
| Rhode Island | 2 | 6.562% | $11,886 | — |
| Wisconsin | 2 | 6.625% | $1,738 | — |
| Arkansas | 1 | 6.500% | $3,333 | — |
| Connecticut | 1 | 7.250% | $4,407 | — |
| Delaware | 1 | 8.375% | $10,007 | — |
| Illinois | 1 | 6.875% | $14,066 | — |
| Kentucky | 1 | 7.000% | $2,740 | — |
| Maryland | 1 | 6.750% | $6,900 | — |
| Minnesota | 1 | 7.125% | $5,541 | — |
| Missouri | 1 | 6.500% | $1,153 | — |
| Nebraska | 1 | 6.250% | $15,379 | — |
| New Jersey | 1 | 6.875% | $16,301 | — |
| Oklahoma | 1 | 6.875% | $4,311 | — |
| Pennsylvania | 1 | 6.000% | $3,926 | — |
| South Dakota | 1 | 6.125% | $2,073 | — |