Grade F · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$9,383
median across reports
vs. National Average
177%
above national avg
Avg Origination Charge
$5,194
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $5,194 | $1,584 | 🔺 High |
| discount_points | $4,942 | $2,242 | 🔺 High |
| lender_credits | $2,215 | $428 | 🔺 High |
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Based on 853 homebuyer-submitted Closing Disclosures, JMJ Financial Group's median total closing costs are $9,383. This is about 177% above the $3,383 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
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Average Closing Costs by State
Benchmark your costs against the state average.
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Aggregates from JMJ Financial Group's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
497
Median Total Costs
$11,197
+67.6% vs national ($6,680)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$3,775
Median Lender Credits
$653
Denial Rate
0.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 335 | 6.750% | $9,422 | $3,563 |
| fha | 99 | 6.250% | $17,294 | $4,195 |
| va | 63 | 6.250% | $13,790 | $4,581 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 298 | 6.624% | $11,787 | #112 |
| Idaho | 127 | 6.375% | $10,341 | #41 |
| Arizona | 16 | 6.250% | $7,370 | — |
| Nevada | 8 | 6.625% | $6,839 | — |
| Tennessee | 8 | 6.562% | $5,898 | — |
| Utah | 8 | 6.750% | $10,397 | — |
| Florida | 6 | 7.062% | $10,503 | — |
| Minnesota | 5 | 7.125% | $4,650 | — |
| Texas | 5 | 6.875% | $8,513 | — |
| Oregon | 4 | 6.438% | $7,475 | — |
| Washington | 4 | 6.750% | $5,731 | — |
| Georgia | 2 | 7.062% | $13,126 | — |
| Hawaii | 2 | 6.750% | $17,230 | — |
| Colorado | 1 | 6.990% | $10,218 | — |
| North Carolina | 1 | 6.125% | $4,209 | — |
| Ohio | 1 | 6.500% | $5,411 | — |
| South Carolina | 1 | 6.250% | $12,735 | — |
| This lender | California median | National median | |
|---|---|---|---|
| Total Closing Costs | $11,787 | $9,309 | $6,680 |
| Interest Rate | 6.624% | 6.380% | 6.490% |
| Originations in state | 298 | — | — |
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 | JMJ Financial Group | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $515,000 | $335,000 | +$180,000 (+53.7%) |
| Median total closing costs | $11,197 | $7,127 | +$4,070 (+57.1%) |