Grade F · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$13,891
median across reports
vs. National Average
314%
above national avg
Avg Origination Charge
$11,826
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $11,826 | $1,553 | 🔺 High |
| lender_credits | $6,340 | $443 | 🔺 High |
| discount_points | $3,828 | $2,425 | 🔺 High |
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Based on 2,169 homebuyer-submitted Closing Disclosures, Homexpress Mortgage Corp.'s median total closing costs are $13,891. This is about 314% 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?
Which fees you can push back on and how to do it.
What Are Junk Fees on a Mortgage?
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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.
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Compare Homexpress Mortgage Corp. with another lender
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Aggregates from Homexpress Mortgage Corp.'s 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
1,059
Ranked #362 nationally
Median Total Costs
$14,617
+118.8% vs national ($6,680)
Median Rate
7.375%
+13.6% vs national (6.490%)
Median Origination
$9,590
Median Lender Credits
$3,402
Cost Rank (500+ vol.)
#605
among lenders with 500+ originations
Denial Rate
41.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 947 | 7.500% | $14,734 | $10,294 |
| fha | 72 | 5.875% | $16,191 | $3,790 |
| va | 40 | 6.250% | $4,178 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 280 | 7.250% | $17,707 | #118 |
| Florida | 194 | 7.312% | $14,656 | #166 |
| Texas | 148 | 7.375% | $14,336 | #234 |
| Arizona | 39 | 7.625% | $14,979 | — |
| Washington | 27 | 7.375% | $13,451 | — |
| Georgia | 26 | 7.500% | $14,343 | — |
| Nevada | 26 |
| This lender | California median | National median | |
|---|---|---|---|
| Total Closing Costs | $17,707 | $9,309 | $6,680 |
| Interest Rate | 7.250% | 6.380% | 6.490% |
| Originations in state | 280 | — | — |
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 | Homexpress Mortgage Corp. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $485,000 | $335,000 | +$150,000 (+44.8%) |
| Median total closing costs | $14,617 | $7,127 | +$7,490 (+105.1%) |
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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.
| 7.875% |
| $13,415 |
| — |
| Oregon | 26 | 7.500% | $13,082 | — |
| New Jersey | 23 | 7.500% | $13,246 | — |
| Hawaii | 22 | 7.375% | $21,978 | — |
| Tennessee | 21 | 7.625% | $10,648 | — |
| Colorado | 18 | 7.188% | $9,830 | — |
| Michigan | 17 | 7.875% | $12,370 | — |
| Idaho | 16 | 7.250% | $16,602 | — |
| Ohio | 16 | 7.188% | $8,930 | — |
| Utah | 16 | 7.438% | $14,346 | — |
| South Carolina | 15 | 7.750% | $19,262 | — |
| Illinois | 14 | 8.249% | $10,088 | — |
| Alabama | 12 | 6.933% | $7,577 | — |
| Maryland | 11 | 7.250% | $13,213 | — |
| Pennsylvania | 10 | 7.375% | $11,703 | — |
| Connecticut | 9 | 7.250% | $13,330 | — |
| North Carolina | 9 | 7.999% | $9,790 | — |
| Virginia | 8 | 7.874% | $12,488 | — |
| Wisconsin | 7 | 7.250% | $12,738 | — |
| New Mexico | 6 | 7.062% | $15,710 | — |
| Oklahoma | 6 | 8.188% | $15,767 | — |
| Louisiana | 5 | 7.125% | $10,618 | — |
| Maine | 4 | 6.625% | $2,801 | — |
| Minnesota | 4 | 8.188% | $12,392 | — |
| Missouri | 4 | 7.187% | $7,647 | — |
| New Hampshire | 4 | 8.124% | $13,546 | — |
| Indiana | 3 | 8.375% | $17,038 | — |
| Kansas | 3 | 8.500% | $14,262 | — |
| Montana | 3 | 7.250% | $10,618 | — |
| Nebraska | 3 | 6.999% | $8,844 | — |
| Delaware | 2 | 8.562% | $9,870 | — |
| Arkansas | 1 | 8.250% | $19,095 | — |
| District of Columbia | 1 | 7.999% | $11,717 | — |