Grade C · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$7,302
median across reports
vs. National Average
13%
above national avg
Avg Origination Charge
$3,473
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $3,755 | $3,585 | 🟡 Average |
| Origination Fee | $3,473 | $3,743 | 🟡 Average |
| lender_credits | $3,304 | $1,150 | 🔺 High |
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Based on 702 homebuyer-submitted Closing Disclosures, New Story Lending LLC's median total closing costs are $7,302. This is about 13% 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?
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What Are Junk Fees on a Mortgage?
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How to Read Your Closing Disclosure
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Average Closing Costs by State
Benchmark your costs against the state average.
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Aggregates from New Story Lending LLC's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
606
Ranked #562 nationally
Median Total Costs
$7,636
+14.3% vs national ($6,680)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$2,529
Median Lender Credits
$5,000
Cost Rank (500+ vol.)
#418
among lenders with 500+ originations
Denial Rate
0.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 318 | 6.625% | $5,361 | $2,519 |
| fha | 207 | 6.500% | $9,784 | $2,696 |
| va | 66 | 6.250% | $8,130 | $2,159 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| South Carolina | 531 | 6.625% | $7,632 | #29 |
| North Carolina | 40 | 6.433% | $7,465 | — |
| Virginia | 13 | 6.375% | $9,647 | — |
| Arizona | 7 | 6.125% | $8,025 | — |
| Alabama | 4 | 6.562% | $6,365 | — |
| Florida | 4 | 6.438% | $8,238 | — |
| Georgia | 3 |
| This lender | South Carolina median | National median | |
|---|---|---|---|
| Total Closing Costs | $7,632 | $6,759 | $6,680 |
| Interest Rate | 6.625% | 6.380% | 6.490% |
| Originations in state | 531 | — | — |
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 | New Story Lending LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $265,000 | $335,000 | −$70,000 (−20.9%) |
| Median total closing costs | $7,636 | $7,127 | +$509 (+7.1%) |
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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.
| 6.625% |
| $9,784 |
| — |
| Maryland | 2 | 6.183% | $6,647 | — |
| Ohio | 1 | 7.250% | $3,908 | — |
| Texas | 1 | 5.490% | $14,744 | — |