Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$2,548
median across reports
vs. National Average
60%
below national avg
Avg Origination Charge
$1,178
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $3,878 | $3,585 | 🟡 Average |
| Origination Fee | $1,178 | $3,743 | 🟢 Below Avg |
| lender_credits | $587 | $1,150 | 🟢 Below Avg |
Got a Loan Estimate from Service Federal Credit Union? See if your rate and fees are competitive.
Check My Loan Estimate — $19Based on 1,136 homebuyer-submitted Closing Disclosures, Service Federal Credit Union's median total closing costs are $2,548. This is about 60% below the $6,435 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.
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Compare Service Federal Credit Union with another lender
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Aggregates from Service Federal Credit Union's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
355
Median Total Costs
$3,608
−46.0% vs national ($6,680)
Median Rate
5.750%
−11.4% vs national (6.490%)
Median Origination
$796
Median Lender Credits
$660
Denial Rate
12.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 311 | 5.625% | $3,584 | $796 |
| va | 44 | 6.000% | $3,771 | $267 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New Hampshire | 173 | 5.750% | $3,346 | #18 |
| Massachusetts | 34 | 5.625% | $4,546 | — |
| Maine | 20 | 5.750% | $3,361 | — |
| Georgia | 18 | 5.375% | $7,086 | — |
| Vermont | 12 | 6.000% | $3,760 | — |
| North Carolina | 10 | 5.625% | $3,480 | — |
| Texas | 10 |
| This lender | New Hampshire median | National median | |
|---|---|---|---|
| Total Closing Costs | $3,346 | $4,681 | $6,680 |
| Interest Rate | 5.750% | 6.620% | 6.490% |
| Originations in state | 173 | — | — |
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 | Service Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $415,000 | $335,000 | +$80,000 (+23.9%) |
| Median total closing costs | $3,608 | $7,127 | −$3,519 (−49.4%) |
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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.
| 5.625% |
| $8,656 |
| — |
| Virginia | 8 | 5.375% | $5,166 | — |
| Colorado | 7 | 5.625% | $3,102 | — |
| Florida | 7 | 5.750% | $4,004 | — |
| Tennessee | 7 | 5.625% | $738 | — |
| New York | 6 | 5.250% | $4,984 | — |
| California | 4 | 5.688% | $4,951 | — |
| Maryland | 4 | 5.500% | $4,200 | — |
| South Carolina | 4 | 5.875% | $4,910 | — |
| Connecticut | 3 | 5.500% | $5,010 | — |
| New Jersey | 3 | 5.500% | $5,892 | — |
| New Mexico | 3 | 5.875% | $4,548 | — |
| Pennsylvania | 3 | 6.000% | $4,048 | — |
| Washington | 3 | 5.250% | $5,005 | — |
| Alabama | 2 | 6.125% | $3,092 | — |
| Indiana | 2 | 5.312% | $2,774 | — |
| District of Columbia | 1 | 5.125% | $6,278 | — |
| Illinois | 1 | 5.625% | $2,770 | — |
| Kentucky | 1 | 6.250% | $3,674 | — |
| Minnesota | 1 | 5.250% | $5,993 | — |
| Missouri | 1 | 6.000% | $2,433 | — |
| North Dakota | 1 | 5.250% | $2,198 | — |
| Nebraska | 1 | 4.625% | $23,587 | — |
| Ohio | 1 | 6.000% | $2,586 | — |
| Oklahoma | 1 | 6.000% | $851 | — |
| Oregon | 1 | 5.375% | $5,948 | — |
| Utah | 1 | 5.875% | $3,867 | — |
| West Virginia | 1 | 5.375% | $3,120 | — |