Grade F · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$10,480
median across reports
vs. National Average
212%
above national avg
Avg Origination Charge
$9,161
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $9,161 | $1,553 | 🔺 High |
| discount_points | $2,646 | $2,425 | 🟡 Average |
| lender_credits | $857 | $443 | 🔺 High |
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Check My Loan Estimate — $19Based on 173 homebuyer-submitted Closing Disclosures, Climate First Bank's median total closing costs are $10,480. This is about 212% 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.
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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 Climate First Bank's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
117
Median Total Costs
$13,111
+96.3% vs national ($6,680)
Median Rate
7.250%
+11.7% vs national (6.490%)
Median Origination
$6,400
Median Lender Credits
$173
Denial Rate
13.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 107 | 7.250% | $13,268 | $7,305 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 92 | 7.250% | $12,926 | #241 |
| California | 5 | 7.250% | $22,031 | — |
| Georgia | 5 | 7.250% | $5,136 | — |
| North Carolina | 3 | 6.624% | $5,924 | — |
| Tennessee | 3 | 5.875% | $6,276 | — |
| Alabama | 2 | 5.938% | $4,812 | — |
| South Carolina | 2 |
| This lender | Florida median | National median | |
|---|---|---|---|
| Total Closing Costs | $12,926 | $8,663 | $6,680 |
| Interest Rate | 7.250% | 6.380% | 6.490% |
| Originations in state | 92 | — | — |
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 | Climate First Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $745,000 | $335,000 | +$410,000 (+122.4%) |
| Median total closing costs | $13,111 | $7,127 | +$5,984 (+84.0%) |
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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% |
| $21,434 |
| — |
| Texas | 2 | 6.688% | $22,924 | — |
| New York | 1 | 7.625% | $14,041 | — |
| Pennsylvania | 1 | 5.490% | $8,719 | — |
| Utah | 1 | 7.250% | $17,852 | — |