Grade F · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$10,099
median across reports
vs. National Average
201%
above national avg
Avg Origination Charge
$6,240
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $6,240 | $1,553 | 🔺 High |
| discount_points | $5,093 | $2,425 | 🔺 High |
| lender_credits | $1,753 | $443 | 🔺 High |
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Check My Loan Estimate — $19Based on 8,548 homebuyer-submitted Closing Disclosures, Canopy Mortgage, LLC's median total closing costs are $10,099. This is about 201% 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?
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What Are Junk Fees on a Mortgage?
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How to Read Your Closing Disclosure
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Average Closing Costs by State
Benchmark your costs against the state average.
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Compare Canopy Mortgage, LLC with another lender
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Aggregates from Canopy Mortgage, LLC's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
6,714
Ranked #68 nationally
Median Total Costs
$11,151
+66.9% vs national ($6,680)
Median Rate
6.375%
−1.8% vs national (6.490%)
Median Origination
$4,911
Median Lender Credits
$972
Cost Rank (500+ vol.)
#569
among lenders with 500+ originations
Denial Rate
1.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 3,068 | 6.500% | $8,399 | $4,747 |
| fha | 2,413 | 6.250% | $13,950 | $4,930 |
| va | 1,083 | 6.250% | $13,220 | $5,782 |
| usda | 150 | 6.312% | $8,500 | $3,327 |
| This lender | Georgia median | National median | |
|---|---|---|---|
| Total Closing Costs | $12,582 | $8,007 | $6,680 |
| Interest Rate | 6.250% | 6.380% | 6.490% |
| Originations in state | 1,286 | — | — |
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 | Canopy Mortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $325,000 | $335,000 | −$10,000 (−3.0%) |
| Median total closing costs | $11,151 | $7,127 | +$4,024 (+56.5%) |
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| 6.250% |
| $11,439 |
| #22 |
| Tennessee | 257 | 6.375% | $11,365 | #62 |
| North Carolina | 252 | 6.500% | $8,895 | #89 |
| Nevada | 234 | 6.625% | $13,355 | #33 |
| California | 205 | 6.625% | $9,406 | #149 |
| Arizona | 165 | 6.500% | $10,694 | #78 |
| Oregon | 145 | 6.625% | $10,950 | #55 |
| Florida | 128 | 6.250% | $13,653 | #204 |
| Louisiana | 111 | 6.500% | $9,209 | #57 |
| South Carolina | 103 | 6.250% | $12,404 | #115 |
| Michigan | 89 | 6.500% | $6,043 | #116 |
| Colorado | 88 | 6.500% | $11,604 | #112 |
| Kansas | 87 | 6.750% | $7,188 | #72 |
| Alaska | 81 | 6.250% | $11,067 | #14 |
| Missouri | 61 | 6.625% | $8,165 | #132 |
| Hawaii | 46 | 6.625% | $19,129 | — |
| Ohio | 46 | 6.750% | $11,184 | — |
| Kentucky | 35 | 6.625% | $8,872 | — |
| Indiana | 29 | 6.625% | $6,747 | — |
| Illinois | 24 | 6.562% | $10,188 | — |
| Virginia | 20 | 6.500% | $12,009 | — |
| Massachusetts | 17 | 6.375% | $7,386 | — |
| Montana | 14 | 6.625% | $12,987 | — |
| Iowa | 12 | 6.750% | $7,237 | — |
| Mississippi | 10 | 6.500% | $9,234 | — |
| New Mexico | 10 | 6.933% | $9,382 | — |
| Wisconsin | 8 | 6.500% | $8,176 | — |
| Arkansas | 7 | 6.500% | $6,846 | — |
| Nebraska | 7 | 6.250% | $7,388 | — |
| Minnesota | 5 | 6.250% | $12,735 | — |
| New Hampshire | 5 | 6.625% | $9,355 | — |
| Pennsylvania | 5 | 6.125% | $9,123 | — |
| Maryland | 4 | 6.125% | $10,160 | — |
| Maine | 2 | 6.312% | $9,473 | — |
| North Dakota | 2 | 6.500% | $9,414 | — |
| New Jersey | 2 | 6.500% | $5,920 | — |
| West Virginia | 2 | 6.875% | $8,203 | — |
| Wyoming | 2 | 6.000% | $9,163 | — |
| Delaware | 1 | 6.125% | $11,634 | — |
| South Dakota | 1 | 6.250% | $12,130 | — |