Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$0
median across reports
vs. National Average
100%
below national avg
Avg Origination Charge
$1,876
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $1,876 | $1,584 | 🔴 Above Avg |
| discount_points | $1,767 | $2,242 | 🟢 Below Avg |
| lender_credits | $277 | $428 | 🟢 Below Avg |
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Mortgage Company · PA
Navy Federal Credit Union
Credit Union · VA
Wells Fargo Bank, N.A.
Bank · CA
Based on 1,713 homebuyer-submitted Closing Disclosures, Members 1st's median total closing costs are $0. This is about 100% 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.
Are Closing Costs Negotiable?
Which fees you can push back on and how to do it.
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 Members 1st with another lender
See how closing costs compare side-by-side
Aggregates from Members 1st's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
465
Median Total Costs
$4,716
−29.4% vs national ($6,680)
Median Rate
6.625%
+2.1% vs national (6.490%)
Median Origination
$995
Median Lender Credits
$54
Denial Rate
13.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 413 | 6.750% | $4,584 | $995 |
| fha | 40 | 5.875% | $8,709 | $995 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 446 | 6.625% | $4,751 | #50 |
| Maryland | 4 | 6.875% | $5,658 | — |
| South Carolina | 3 | 7.250% | $4,085 | — |
| New Jersey | 2 | 6.750% | $4,210 | — |
| West Virginia | 2 | 6.812% | $3,280 | — |
| Arkansas | 1 | 6.625% | $2,982 | — |
| Florida | 1 | 6.250% | $8,003 | — |
| Illinois | 1 | 5.875% | $12,993 | — |
| North Carolina | 1 | 6.375% | $6,119 | — |
| New York | 1 | 6.625% | $4,665 | — |
| Ohio | 1 | 6.875% | $3,691 | — |
| Virginia | 1 | 6.000% | $13,808 | — |
| Wyoming | 1 | 6.375% | $2,494 | — |
| This lender | Pennsylvania median | National median | |
|---|---|---|---|
| Total Closing Costs | $4,751 | $6,500 | $6,680 |
| Interest Rate | 6.625% | 6.500% | 6.490% |
| Originations in state | 446 | — | — |
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 | Members 1st | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $245,000 | $335,000 | −$90,000 (−26.9%) |
| Median total closing costs | $4,716 | $7,127 | −$2,411 (−33.8%) |