Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$1,878
median across reports
vs. National Average
44%
below national avg
Avg Origination Charge
$792
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $4,131 | $2,242 | 🔺 High |
| Origination Fee | $792 | $1,584 | 🟢 Below Avg |
| lender_credits | $419 | $428 | 🟡 Average |
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Check My Loan Estimate — $19Based on 347 homebuyer-submitted Closing Disclosures, Brightbridge Credit Union's median total closing costs are $1,878. This is about 44% below 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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How to Read Your Closing Disclosure
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Average Closing Costs by State
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Aggregates from Brightbridge Credit Union's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
109
Median Total Costs
$3,844
−42.5% vs national ($6,680)
Median Rate
5.875%
−9.5% vs national (6.490%)
Median Origination
$699
Median Lender Credits
$745
Denial Rate
6.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 109 | 5.875% | $3,844 | $699 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Massachusetts | 84 | 5.750% | $3,976 | #99 |
| New Hampshire | 23 | 5.990% | $3,464 | — |
| Maine | 2 | 5.938% | $4,463 | — |
| This lender | Massachusetts median | National median | |
|---|---|---|---|
| Total Closing Costs | $3,976 | $5,543 | $6,680 |
| Interest Rate | 5.750% | 6.490% | 6.490% |
| Originations in state | 84 | — | — |
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 | Brightbridge Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $545,000 | $335,000 | +$210,000 (+62.7%) |
| Median total closing costs | $3,844 | $7,127 | −$3,283 (−46.1%) |