Grade F · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$9,760
median across reports
vs. National Average
189%
above national avg
Avg Origination Charge
$5,141
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $5,141 | $1,584 | 🔺 High |
| discount_points | $3,727 | $2,242 | 🔺 High |
| lender_credits | $2,763 | $428 | 🔺 High |
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Check My Loan Estimate — $19Based on 4,203 homebuyer-submitted Closing Disclosures, LoanUnited.com, LLC's median total closing costs are $9,760. This is about 189% 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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Average Closing Costs by State
Benchmark your costs against the state average.
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Aggregates from LoanUnited.com, LLC's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
1,698
Ranked #259 nationally
Median Total Costs
$10,595
+58.6% vs national ($6,680)
Median Rate
6.250%
−3.7% vs national (6.490%)
Median Origination
$2,276
Median Lender Credits
$1,200
Cost Rank (500+ vol.)
#559
among lenders with 500+ originations
Denial Rate
8.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| va | 761 | 6.250% | $8,595 | $2,064 |
| fha | 679 | 6.125% | $12,903 | $2,364 |
| conventional | 258 | 6.500% | $6,335 | $2,654 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 348 | 6.125% | $11,083 | #145 |
| Georgia | 215 | 6.250% | $10,209 | #98 |
| Virginia | 165 | 6.250% | $11,070 | #95 |
| Florida | 141 | 6.250% | $10,970 | #193 |
| California | 139 | 6.125% | $14,721 | #170 |
| Arizona | 100 | 6.125% | $11,979 | #104 |
| Colorado | 72 | 6.000% | $8,912 | #128 |
| North Carolina | 47 | 6.500% | $8,242 | — |
| South Carolina | 42 | 6.250% | $10,020 | — |
| Washington | 42 | 6.062% | $12,345 | — |
| Tennessee | 34 | 6.250% | $10,752 | — |
| Illinois | 33 | 6.250% | $10,116 | — |
| Nebraska | 29 | 6.375% | $5,524 | — |
| Maryland | 23 | 6.250% | $14,251 | — |
| New Jersey | 21 | 6.500% | $11,290 | — |
| Ohio | 21 | 6.250% | $9,610 | — |
| Oklahoma | 20 | 6.500% | $8,364 | — |
| Mississippi | 19 | 5.990% | $9,028 | — |
| Alaska | 18 | 6.125% | $11,782 | — |
| Nevada | 16 | 6.250% | $11,661 | — |
| Kansas | 14 | 6.125% | $10,055 | — |
| Pennsylvania | 14 | 6.250% | $10,605 | — |
| Wyoming | 14 | 6.500% | $7,189 | — |
| Alabama | 13 | 6.250% | $7,059 | — |
| Michigan | 13 | 6.250% | $9,418 | — |
| Indiana | 12 | 6.188% | $7,645 | — |
| Kentucky | 9 | 7.000% | $5,521 | — |
| Massachusetts | 9 | 5.750% | $13,619 | — |
| Oregon | 9 | 6.125% | $8,533 | — |
| Wisconsin | 9 | 6.500% | $3,160 | — |
| New Mexico | 8 | 5.870% | $11,638 | — |
| Louisiana | 6 | 6.750% | $5,117 | — |
| Minnesota | 6 | 6.562% | $8,628 | — |
| Arkansas | 5 | 6.625% | $4,848 | — |
| New Hampshire | 4 | 6.625% | $4,430 | — |
| South Dakota | 3 | 6.000% | $8,800 | — |
| Delaware | 2 | 6.438% | $10,161 | — |
| Connecticut | 1 | 6.000% | $10,871 | — |
| Iowa | 1 | 6.250% | $5,406 | — |
| Maine | 1 | 6.990% | $4,134 | — |
| This lender | Texas median | National median | |
|---|---|---|---|
| Total Closing Costs | $11,083 | $8,397 | $6,680 |
| Interest Rate | 6.125% | 6.250% | 6.490% |
| Originations in state | 348 | — | — |
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 | LoanUnited.com, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $355,000 | $335,000 | +$20,000 (+6.0%) |
| Median total closing costs | $10,595 | $7,127 | +$3,468 (+48.7%) |