Mortgage Company · California · NMLS #3274
Avg Closing Costs
$16,314
median across reports
vs. National Average
1%
below national avg
Avg Origination Charge
$7,655
Section A lender fee
Reports with Junk Fees
29%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $7,655 | $7,829 | 🟡 Average |
| Title Insurance | $2,995 | $3,110 | 🟡 Average |
| Underwriting Fee | $1,446 | $1,459 | 🟡 Average |
| Appraisal | $1,059 | $1,065 | 🟡 Average |
| Settlement/Closing Fee | $962 | $973 | 🟡 Average |
| Processing Fee | $749 | $777 | 🟡 Average |
| Title Search | $378 | $388 | 🟡 Average |
| Rate Lock Fee | $354 | $347 | 🟡 Average |
| Recording Fee | $330 | $340 | 🟡 Average |
| Document Preparation | $160 | $164 | 🟡 Average |
| Tax Service Fee | $125 | $126 | 🟡 Average |
| Credit Report | $67 | $68 | 🟡 Average |
| Wire Transfer Fee | $66 | $68 | 🟡 Average |
| Courier/Delivery | $57 | $58 | 🟡 Average |
| Flood Certification | $23 | $23 | 🟡 Average |
Based on 52 homebuyer-submitted Closing Disclosures, Guild Mortgage's median total closing costs are $16,314. This is roughly in line with 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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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.
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