Grade B · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$6,640
median across reports
vs. National Average
3%
above national avg
Avg Origination Charge
$2,534
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $2,628 | $3,585 | 🟢 Below Avg |
| Origination Fee | $2,534 | $3,743 | 🟢 Below Avg |
| lender_credits | $523 | $1,150 | 🟢 Below Avg |
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Based on 1,243 homebuyer-submitted Closing Disclosures, Member First Mortgage, LLC's median total closing costs are $6,640. This is about 3% above 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.
Are Closing Costs Negotiable?
Which fees you can push back on and how to do it.
What Are Junk Fees on a Mortgage?
Spot the charges that pad lender profits.
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 Member First Mortgage, LLC with another lender
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Aggregates from Member First Mortgage, LLC's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
847
Ranked #426 nationally
Median Total Costs
$7,294
+9.2% vs national ($6,680)
Median Rate
6.375%
−1.8% vs national (6.490%)
Median Origination
$1,625
Median Lender Credits
$203
Cost Rank (500+ vol.)
#392
among lenders with 500+ originations
Denial Rate
12.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 589 | 6.250% | $6,232 | $1,790 |
| fha | 220 | 6.375% | $8,642 | $1,499 |
| va | 27 | 6.375% | $6,581 | $1,499 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Michigan | 203 | 6.375% | $7,027 | #78 |
| Texas | 123 | 6.250% | $8,469 | #256 |
| Georgia | 82 | 6.250% | $7,563 | #155 |
| Illinois | 63 | 6.375% | $6,338 | #177 |
| Indiana | 62 | 6.625% | $3,315 | #156 |
| Washington | 58 | 6.000% | $12,856 | #144 |
| Pennsylvania | 55 |
| This lender | Michigan median | National median | |
|---|---|---|---|
| Total Closing Costs | $7,027 | $4,514 | $6,680 |
| Interest Rate | 6.375% | 6.620% | 6.490% |
| Originations in state | 203 | — | — |
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 | Member First Mortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $275,000 | $335,000 | −$60,000 (−17.9%) |
| Median total closing costs | $7,294 | $7,127 | +$167 (+2.3%) |
Popular Refinance Pages
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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.
| 6.500% |
| $5,559 |
| #201 |
| Florida | 25 | 6.125% | $9,289 | — |
| New Jersey | 23 | 6.500% | $6,868 | — |
| Oregon | 21 | 6.125% | $8,788 | — |
| Ohio | 20 | 6.625% | $5,073 | — |
| West Virginia | 14 | 6.500% | $5,180 | — |
| Minnesota | 12 | 5.750% | $9,652 | — |
| Kentucky | 11 | 6.625% | $4,270 | — |
| Vermont | 10 | 6.500% | $9,370 | — |
| California | 9 | 5.500% | $9,572 | — |
| North Carolina | 9 | 6.625% | $4,624 | — |
| New Mexico | 7 | 6.000% | $10,757 | — |
| Wisconsin | 6 | 5.750% | $11,323 | — |
| South Carolina | 5 | 6.000% | $6,603 | — |
| Virginia | 5 | 5.750% | $14,897 | — |
| Louisiana | 4 | 6.000% | $9,070 | — |
| Massachusetts | 3 | 6.250% | $10,908 | — |
| Oklahoma | 3 | 6.375% | $4,642 | — |
| Alabama | 2 | 5.938% | $9,100 | — |
| Arkansas | 2 | 5.938% | $5,225 | — |
| Mississippi | 2 | 6.438% | $7,086 | — |
| Alaska | 1 | 6.375% | $13,074 | — |
| Connecticut | 1 | 6.125% | $6,219 | — |
| Kansas | 1 | 6.625% | $7,005 | — |
| Missouri | 1 | 5.500% | $3,217 | — |
| Montana | 1 | 6.125% | $4,882 | — |
| Nebraska | 1 | 6.000% | $6,807 | — |
| Tennessee | 1 | 6.375% | $3,604 | — |
| Wyoming | 1 | 6.500% | $2,178 | — |