Grade F · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$11,608
median across reports
vs. National Average
278%
above national avg
Avg Origination Charge
$5,193
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $5,193 | $1,671 | 🔺 High |
| discount_points | $4,043 | $2,205 | 🔺 High |
| lender_credits | $383 | $449 | 🟢 Below Avg |
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Check My Loan Estimate — $19Based on 1,184 homebuyer-submitted Closing Disclosures, Efinity Financial Inc.'s median total closing costs are $11,608. This is about 278% above the $3,071 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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Average Closing Costs by State
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Federal data snapshot (2025)
In 2025, Efinity Financial Inc. originated 999 purchase loans with median closing costs of $12,257.
See 2025 HMDA market data for Efinity Financial Inc. →Popular Refinance Pages
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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.