Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$1,644
median across reports
vs. National Average
51%
below national avg
Avg Origination Charge
$1,962
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $1,962 | $1,584 | 🔴 Above Avg |
| discount_points | $1,785 | $2,242 | 🟢 Below Avg |
| lender_credits | $323 | $428 | 🟢 Below Avg |
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Check My Loan Estimate — $19Based on 401 homebuyer-submitted Closing Disclosures, Kemba Financial Credit Union Inc's median total closing costs are $1,644. This is about 51% below 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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Average Closing Costs by State
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Aggregates from Kemba Financial Credit Union Inc's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
110
Median Total Costs
$4,517
−32.4% vs national ($6,680)
Median Rate
6.125%
−5.6% vs national (6.490%)
Median Origination
$1,495
Median Lender Credits
$406
Denial Rate
3.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 110 | 6.125% | $4,517 | $1,495 |
| This lender | Ohio median | National median | |
|---|---|---|---|
| Total Closing Costs | $4,517 | $5,240 | $6,680 |
| Interest Rate | 6.125% | 6.620% | 6.490% |
| Originations in state | 108 | — | — |
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 | Kemba Financial Credit Union Inc | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $265,000 | $335,000 | −$70,000 (−20.9%) |
| Median total closing costs | $4,517 | $7,127 | −$2,610 (−36.6%) |