Grade B · 0% of disclosures flagged for junk fees
Mortgage Company · California · NMLS #3274
Avg Closing Costs
$6,835
median across reports
vs. National Average
110%
above national avg
Avg Origination Charge
$3,982
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $4,029 | $2,207 | 🔺 High |
| Origination Fee | $3,982 | $1,587 | 🔺 High |
| Title Insurance | $2,995 | $3,301 | 🟡 Average |
| lender_credits | $1,947 | $393 | 🔺 High |
| Underwriting Fee | $1,446 | $1,512 | 🟡 Average |
| Appraisal | $1,059 | $1,096 | 🟡 Average |
| Settlement/Closing Fee | $962 | $1,008 | 🟡 Average |
| Processing Fee | $749 | $822 | 🟡 Average |
| Title Search | $378 | $400 | 🟡 Average |
| Rate Lock Fee | $354 | $370 | 🟡 Average |
| Recording Fee | $330 | $353 | 🟡 Average |
| Document Preparation | $160 | $154 | 🟡 Average |
| Tax Service Fee | $125 | $133 | 🟡 Average |
| Credit Report | $67 | $70 | 🟡 Average |
| Wire Transfer Fee | $66 | $70 | 🟡 Average |
| Courier/Delivery | $57 | $60 | 🟡 Average |
| Flood Certification | $23 | $24 | 🟡 Average |
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Based on 80,939 homebuyer-submitted Closing Disclosures, Guild Mortgage's median total closing costs are $6,835. This is about 110% above the $3,254 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 California
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Federal data snapshot (2025)
In 2025, Guild Mortgage Company LLC originated 58,750 purchase loans with median closing costs of $8,097.
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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.