Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$5,958
median across reports
vs. National Average
7%
below national avg
Avg Origination Charge
$3,474
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $4,246 | $3,585 | 🔴 Above Avg |
| Origination Fee | $3,474 | $3,743 | 🟡 Average |
| lender_credits | $1,546 | $1,150 | 🔴 Above Avg |
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Based on 2,602 homebuyer-submitted Closing Disclosures, Intercoastal Mortgage, LLC's median total closing costs are $5,958. This is about 7% below the $6,435 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?
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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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Aggregates from Intercoastal Mortgage, LLC's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
2,148
Ranked #208 nationally
Median Total Costs
$6,143
−8.0% vs national ($6,680)
Median Rate
6.490%
+0.0% vs national (6.490%)
Median Origination
$1,600
Median Lender Credits
$494
Cost Rank (500+ vol.)
#292
among lenders with 500+ originations
Denial Rate
2.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,479 | 6.500% | $5,488 | $1,615 |
| va | 396 | 6.250% | $8,509 | $1,600 |
| fha | 269 | 6.250% | $9,994 | $1,750 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Virginia | 1,101 | 6.375% | $6,914 | #18 |
| North Carolina | 343 | 6.625% | $3,801 | #71 |
| West Virginia | 173 | 6.375% | $4,694 | #22 |
| South Carolina | 144 | 6.490% | $5,038 | #98 |
| Maryland | 125 | 6.375% | $6,395 | #84 |
| Tennessee | 90 | 6.250% | $6,826 | #137 |
| District of Columbia |
| This lender | Virginia median | National median | |
|---|---|---|---|
| Total Closing Costs | $6,914 | $6,860 | $6,680 |
| Interest Rate | 6.375% | 6.450% | 6.490% |
| Originations in state | 1,101 | — | — |
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 | Intercoastal Mortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $455,000 | $335,000 | +$120,000 (+35.8%) |
| Median total closing costs | $6,143 | $7,127 | −$984 (−13.8%) |
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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.
| 48 |
| 6.375% |
| $7,657 |
| — |
| Georgia | 42 | 6.500% | $3,859 | — |
| Florida | 32 | 6.312% | $6,640 | — |
| Ohio | 11 | 6.375% | $6,397 | — |
| Pennsylvania | 10 | 6.495% | $6,818 | — |
| Kentucky | 7 | 6.250% | $8,018 | — |
| Texas | 6 | 6.558% | $7,794 | — |
| Alabama | 5 | 6.990% | $2,636 | — |
| Colorado | 3 | 6.125% | $4,325 | — |
| Delaware | 3 | 6.500% | $9,089 | — |
| Michigan | 2 | 6.562% | $4,508 | — |
| California | 1 | 6.250% | $12,448 | — |
| Nevada | 1 | 6.750% | $5,034 | — |
| Oregon | 1 | 7.375% | $4,578 | — |