Question 1

What are Movement Mortgage's average closing costs?

Accepted Answer

Based on 52,700 homebuyer-submitted Closing Disclosures, Movement Mortgage's median total closing costs are $6,686. This is about 108% above the $3,221 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.

Question 2

Does Movement Mortgage charge junk fees?

Accepted Answer

None of the 52,700 Closing Disclosures we've analyzed for Movement Mortgage included fees flagged as potentially excessive — a strong sign. That said, every loan is different. Fair Closing Check can review your specific disclosure to confirm there are no hidden charges on your loan.

Question 3

How do Movement Mortgage's fees compare to other lenders?

Accepted Answer

Movement Mortgage currently holds a grade of B on Fair Closing Check, placing them below the national average, which is a good sign for borrowers. Their median closing costs of $6,686 are about 108% above the $3,221 national peer median. Grades are based on real homebuyer-submitted Closing Disclosures and scale from A (well below average) to F (significantly above average). This is informational only; individual loans vary by state, loan type, and borrower circumstances.

Question 4

Can I negotiate closing costs with Movement Mortgage?

Accepted Answer

Yes — closing costs are almost always negotiable to some degree. Based on our data, Movement Mortgage's origination fee (avg $3,737 vs $1,695 peer avg) and title insurance (avg $3,339 vs $3,103 peer avg) have both run above comparable lenders — making them the most important fees to challenge. Lender-controlled fees like origination, processing, and underwriting charges can often be reduced or waived, especially if you have a strong credit profile or are comparing offers from multiple lenders. Third-party fees such as title insurance and settlement services can sometimes be shopped around for better rates — you are generally entitled to choose your own providers. Fair Closing Check analyzes your specific Closing Disclosure and identifies which fees to challenge and how much room there is to negotiate. This is informational only and not legal or financial advice.

Question 5

What fees on Movement Mortgage's Closing Disclosures run above peer averages?

Accepted Answer

Across homebuyer-submitted Closing Disclosures for Movement Mortgage, three fee categories tend to run above comparable lenders: origination fee (avg $3,737 vs $1,695 peer avg, +$2,042), discount points (avg $3,585 vs $2,263 peer avg, +$1,322), and lender credits (avg $1,340 vs $459 peer avg, +$881). These are the line items most worth scrutinizing or challenging on your own disclosure. "Junk fees" is industry shorthand for charges that are inflated beyond the peer norm or provide little discernible value — the CFPB recommends shopping title, settlement, and pest-inspection services independently when possible. This data is informational only and not financial advice.

Question 6

How much do Movement Mortgage's closing costs vary by state?

Accepted Answer

Movement Mortgage's closing costs vary significantly by state. Based on the 51 states in our database with at least 3 reports, median total closing costs range from $3,755 in Kansas to $11,151 in Hawaii — a $7,396 spread. Variation reflects state-specific transfer taxes, title insurance regulation, attorney requirements, and recording-fee schedules rather than lender policy. See state-level data on this page to compare your own state. This is informational only and not financial advice.

Fee Category	This Lender (avg)	National Avg	Verdict
Origination Fee	$3,737	$1,695	🔺 High
discount_points	$3,585	$2,263	🔺 High
Title Insurance	$3,339	$3,103	🟡 Average
Underwriting Fee	$1,550	$1,429	🟡 Average
lender_credits	$1,340	$459	🔺 High
Appraisal	$1,161	$1,053	🔴 Above Avg
Settlement/Closing Fee	$1,051	$954	🔴 Above Avg
Processing Fee	$860	$775	🔴 Above Avg
Title Search	$429	$379	🔴 Above Avg
Rate Lock Fee	$363	$314	🔴 Above Avg
Recording Fee	$360	$339	🟡 Average
Document Preparation	$165	$170	🟡 Average
Tax Service Fee	$137	$128	🟡 Average
Wire Transfer Fee	$73	$69	🟡 Average
Credit Report	$72	$68	🟡 Average
Courier/Delivery	$63	$58	🟡 Average
Flood Certification	$25	$23	🟡 Average

Fee Category	This Lender (avg)	National Avg	Verdict
Origination Fee	$3,737	$1,695	🔺 High
discount_points	$3,585	$2,263	🔺 High
Title Insurance	$3,339	$3,103	🟡 Average
Underwriting Fee	$1,550	$1,429	🟡 Average
lender_credits	$1,340	$459	🔺 High
Appraisal	$1,161	$1,053	🔴 Above Avg
Settlement/Closing Fee	$1,051	$954	🔴 Above Avg
Processing Fee	$860	$775	🔴 Above Avg
Title Search	$429	$379	🔴 Above Avg
Rate Lock Fee	$363	$314	🔴 Above Avg
Recording Fee	$360	$339	🟡 Average
Document Preparation	$165	$170	🟡 Average
Tax Service Fee	$137	$128	🟡 Average
Wire Transfer Fee	$73	$69	🟡 Average
Credit Report	$72	$68	🟡 Average
Courier/Delivery	$63	$58	🟡 Average
Flood Certification	$25	$23	🟡 Average

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Movement Mortgage Closing Cost Breakdown

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