Grade B · 0% of disclosures flagged for junk fees
Mortgage Company · Rhode Island · NMLS #2273
Avg Closing Costs
$7,117
median across reports
vs. National Average
119%
above national avg
Avg Origination Charge
$3,442
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $3,762 | $1,908 | 🔺 High |
| Origination Fee | $3,442 | $1,635 | 🔺 High |
| Title Insurance | $2,970 | $3,301 | 🟢 Below Avg |
| Underwriting Fee | $1,355 | $1,512 | 🟢 Below Avg |
| Appraisal | $1,016 | $1,096 | 🟡 Average |
| Settlement/Closing Fee | $923 | $1,008 | 🟡 Average |
| lender_credits | $918 | $358 | 🔺 High |
| Processing Fee | $734 | $822 | 🟢 Below Avg |
| Rate Lock Fee | $407 | $342 | 🔴 Above Avg |
| Title Search | $367 | $400 | 🟡 Average |
| Recording Fee | $321 | $353 | 🟡 Average |
| Document Preparation | $164 | $158 | 🟡 Average |
| Tax Service Fee | $119 | $133 | 🟢 Below Avg |
| Wire Transfer Fee | $65 | $70 | 🟡 Average |
| Credit Report | $64 | $70 | 🟡 Average |
| Courier/Delivery | $56 | $60 | 🟡 Average |
| Flood Certification | $22 | $24 | 🟡 Average |
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Based on 4,313 homebuyer-submitted Closing Disclosures, Embrace Home Loans's median total closing costs are $7,117. This is about 119% above the $3,257 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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Closing Costs in Rhode Island
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Federal data snapshot (2025)
In 2025, Embrace Home Loans, Inc. originated 3,511 purchase loans with median closing costs of $7,318.
See 2025 HMDA market data for Embrace Home Loans, 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.