Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$3,485
median across reports
vs. National Average
46%
below national avg
Avg Origination Charge
$1,291
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $1,528 | $3,585 | 🟢 Below Avg |
| Origination Fee | $1,291 | $3,743 | 🟢 Below Avg |
| lender_credits | $743 | $1,150 | 🟢 Below Avg |
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Check My Loan Estimate — $19Based on 465 homebuyer-submitted Closing Disclosures, Jeanne D'arc Credit Union's median total closing costs are $3,485. This is about 46% 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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Compare Jeanne D'arc Credit Union with another lender
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Aggregates from Jeanne D'arc Credit Union's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
169
Median Total Costs
$4,422
−33.8% vs national ($6,680)
Median Rate
5.990%
−7.7% vs national (6.490%)
Median Origination
$1,195
Median Lender Credits
$500
Denial Rate
3.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 169 | 5.990% | $4,422 | $1,195 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Massachusetts | 136 | 5.990% | $4,456 | #70 |
| New Hampshire | 33 | 5.990% | $4,245 | — |
| This lender | Massachusetts median | National median | |
|---|---|---|---|
| Total Closing Costs | $4,456 | $5,543 | $6,680 |
| Interest Rate | 5.990% | 6.490% | 6.490% |
| Originations in state | 136 | — | — |
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 | Jeanne D'arc Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $485,000 | $335,000 | +$150,000 (+44.8%) |
| Median total closing costs | $4,422 | $7,127 | −$2,705 (−38.0%) |
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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.