Mortgage Company · California · NMLS #7924
Avg Closing Costs
$19,032
median across reports
vs. National Average
16%
above national avg
Avg Origination Charge
$8,918
Section A lender fee
Reports with Junk Fees
33%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $8,918 | $7,829 | 🔴 Above Avg |
| Title Insurance | $3,487 | $3,110 | 🔴 Above Avg |
| Underwriting Fee | $1,687 | $1,459 | 🔴 Above Avg |
| Appraisal | $1,217 | $1,065 | 🔴 Above Avg |
| Settlement/Closing Fee | $1,080 | $973 | 🔴 Above Avg |
| Processing Fee | $888 | $777 | 🔴 Above Avg |
| Title Search | $441 | $388 | 🔴 Above Avg |
| Recording Fee | $378 | $340 | 🔴 Above Avg |
| Rate Lock Fee | $373 | $347 | 🟡 Average |
| Document Preparation | $155 | $164 | 🟡 Average |
| Tax Service Fee | $144 | $126 | 🔴 Above Avg |
| Credit Report | $77 | $68 | 🔴 Above Avg |
| Wire Transfer Fee | $76 | $68 | 🔴 Above Avg |
| Courier/Delivery | $65 | $58 | 🔴 Above Avg |
| Flood Certification | $26 | $23 | 🔴 Above Avg |
Based on 49 homebuyer-submitted Closing Disclosures, Plaza Home Mortgage's median total closing costs are $19,032. This is about 16% above the $16,418 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.
Closing Costs in California
State-specific benchmarks for California.
Compare Plaza Home Mortgage with another lender
See how closing costs compare side-by-side