Grade F · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$11,151
median across reports
vs. National Average
230%
above national avg
Avg Origination Charge
$6,385
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $7,075 | $2,242 | 🔺 High |
| Origination Fee | $6,385 | $1,584 | 🔺 High |
| lender_credits | $1,911 | $428 | 🔺 High |
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Check My Loan Estimate — $19Based on 357 homebuyer-submitted Closing Disclosures, Cadence Lending Group, Inc.'s median total closing costs are $11,151. This is about 230% 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.
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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Compare Cadence Lending Group, Inc. with another lender
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Aggregates from Cadence Lending Group, Inc.'s 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
324
Median Total Costs
$11,834
+77.2% vs national ($6,680)
Median Rate
6.175%
−4.8% vs national (6.490%)
Median Origination
$5,159
Median Lender Credits
$1,810
Denial Rate
0.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 143 | 6.000% | $14,554 | $5,743 |
| conventional | 91 | 6.750% | $9,013 | $5,192 |
| va | 89 | 5.990% | $10,489 | $3,610 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 316 | 6.175% | $11,802 | #152 |
| New Mexico | 8 | 6.438% | $13,915 | — |
| This lender | Texas median | National median | |
|---|---|---|---|
| Total Closing Costs | $11,802 | $8,397 | $6,680 |
| Interest Rate | 6.175% | 6.250% | 6.490% |
| Originations in state | 316 | — | — |
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 | Cadence Lending Group, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $285,000 | $335,000 | −$50,000 (−14.9%) |
| Median total closing costs | $11,834 | $7,127 | +$4,707 (+66.0%) |