Grade B · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$7,289
median across reports
vs. National Average
128%
above national avg
Avg Origination Charge
$4,897
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $4,897 | $1,786 | 🔺 High |
| discount_points | $4,174 | $2,054 | 🔺 High |
| lender_credits | $713 | $401 | 🔺 High |
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Based on 366 homebuyer-submitted Closing Disclosures, DIRECT RATE HOME LOANS, INC's median total closing costs are $7,289. This is about 128% above the $3,201 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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Federal data snapshot (2025)
In 2025, DIRECT RATE HOME LOANS, INC originated 271 purchase loans with median closing costs of $7,291.
See 2025 HMDA market data for DIRECT RATE HOME LOANS, INC →