Grade C · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$7,959
median across reports
vs. National Average
137%
above national avg
Avg Origination Charge
$4,555
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $4,555 | $1,553 | 🔺 High |
| discount_points | $4,252 | $2,425 | 🔺 High |
| lender_credits | $584 | $443 | 🔴 Above Avg |
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Based on 1,535 homebuyer-submitted Closing Disclosures, GO Mortgage, LLC's median total closing costs are $7,959. This is about 137% above the $3,356 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?
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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 GO Mortgage, LLC with another lender
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Aggregates from GO Mortgage, LLC's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
1,168
Ranked #336 nationally
Median Total Costs
$8,319
+24.5% vs national ($6,680)
Median Rate
6.625%
+2.1% vs national (6.490%)
Median Origination
$3,717
Median Lender Credits
$99
Cost Rank (500+ vol.)
#463
among lenders with 500+ originations
Denial Rate
2.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 788 | 6.625% | $6,994 | $3,697 |
| fha | 281 | 6.625% | $12,549 | $3,974 |
| va | 83 | 6.490% | $8,876 | $2,317 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Oregon | 234 | 6.625% | $9,883 | #38 |
| Ohio | 209 | 6.750% | $6,882 | #91 |
| South Carolina | 125 | 6.625% | $8,667 | #107 |
| Pennsylvania | 105 | 6.625% | $8,435 | #158 |
| California | 74 | 6.500% | $9,856 | #226 |
| Minnesota | 68 | 6.688% | $7,732 | #113 |
| Florida | 58 |
| This lender | Oregon median | National median | |
|---|---|---|---|
| Total Closing Costs | $9,883 | $7,860 | $6,680 |
| Interest Rate | 6.625% | 6.500% | 6.490% |
| Originations in state | 234 | — | — |
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 | GO Mortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $335,000 | $335,000 | +$0 (+0.0%) |
| Median total closing costs | $8,319 | $7,127 | +$1,192 (+16.7%) |
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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.
| 6.625% |
| $7,836 |
| #303 |
| Texas | 42 | 6.250% | $8,575 | — |
| Wisconsin | 32 | 6.625% | $6,929 | — |
| North Carolina | 29 | 6.375% | $8,479 | — |
| Indiana | 24 | 6.562% | $7,078 | — |
| Georgia | 23 | 6.490% | $5,786 | — |
| Nevada | 23 | 6.750% | $12,255 | — |
| Arizona | 19 | 6.625% | $8,013 | — |
| Virginia | 19 | 6.625% | $9,678 | — |
| Maryland | 14 | 6.750% | $10,731 | — |
| Tennessee | 12 | 6.240% | $6,724 | — |
| Washington | 12 | 6.250% | $8,788 | — |
| Mississippi | 7 | 6.990% | $11,756 | — |
| Massachusetts | 6 | 6.125% | $6,132 | — |
| New Jersey | 6 | 6.495% | $8,155 | — |
| Delaware | 5 | 6.625% | $10,789 | — |
| Missouri | 4 | 6.812% | $6,564 | — |
| Connecticut | 3 | 5.990% | $7,226 | — |
| Alabama | 2 | 6.000% | $8,685 | — |
| Colorado | 2 | 6.933% | $11,924 | — |
| Idaho | 2 | 6.500% | $15,134 | — |
| Illinois | 2 | 6.750% | $13,424 | — |
| Arkansas | 1 | 7.875% | $17,124 | — |
| Iowa | 1 | 7.125% | $9,537 | — |
| Kansas | 1 | 6.125% | $3,948 | — |
| Kentucky | 1 | 5.990% | $3,854 | — |
| South Dakota | 1 | 6.625% | $9,080 | — |
| Utah | 1 | 5.990% | $4,299 | — |
| West Virginia | 1 | 7.490% | $403 | — |