Credit Union · California · NMLS #399836
Avg Closing Costs
$14,691
median across reports
vs. National Average
11%
below national avg
Avg Origination Charge
$7,001
Section A lender fee
Reports with Junk Fees
6%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $7,001 | $7,829 | 🟢 Below Avg |
| Title Insurance | $2,772 | $3,110 | 🟢 Below Avg |
| Underwriting Fee | $1,298 | $1,459 | 🟢 Below Avg |
| Appraisal | $950 | $1,065 | 🟢 Below Avg |
| Settlement/Closing Fee | $836 | $973 | 🟢 Below Avg |
| Processing Fee | $696 | $777 | 🟢 Below Avg |
| Title Search | $342 | $388 | 🟢 Below Avg |
| Rate Lock Fee | $330 | $347 | 🟡 Average |
| Recording Fee | $302 | $340 | 🟢 Below Avg |
| Document Preparation | $198 | $164 | 🔴 Above Avg |
| Tax Service Fee | $111 | $126 | 🟢 Below Avg |
| Credit Report | $62 | $68 | 🟡 Average |
| Wire Transfer Fee | $59 | $68 | 🟢 Below Avg |
| Courier/Delivery | $52 | $58 | 🟢 Below Avg |
| Flood Certification | $21 | $23 | 🟡 Average |
Based on 52 homebuyer-submitted Closing Disclosures, Golden 1 Credit Union's median total closing costs are $14,691. This is about 11% below the $16,418 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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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.
Closing Costs in California
State-specific benchmarks for California.
Compare Golden 1 Credit Union with another lender
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