Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$3,079
median across reports
vs. National Average
7%
below national avg
Avg Origination Charge
$1,562
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $2,022 | $2,305 | 🟢 Below Avg |
| Origination Fee | $1,562 | $1,751 | 🟢 Below Avg |
| lender_credits | $1,044 | $491 | 🔺 High |
Got a Loan Estimate from Elements Financial Federal Credit Union? See if your rate and fees are competitive.
Check My Loan Estimate — $19Based on 730 homebuyer-submitted Closing Disclosures, Elements Financial Federal Credit Union's median total closing costs are $3,079. This is about 7% below the $3,316 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?
Which fees you can push back on and how to do it.
What Are Junk Fees on a Mortgage?
Spot the charges that pad lender profits.
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.
Got a Loan Estimate from Elements Financial Federal Credit Union?
Upload your Loan Estimate and Fair Loan Check flags inflated fees, benchmarks your rate, and gives you a ready-to-send negotiation email — in about 60 seconds.
Compare Elements Financial Federal Credit Union with another lender
See how closing costs compare side-by-side
Popular Refinance Pages
FairPriceCheck
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.