Grade C · 0% of disclosures flagged for junk fees
Mortgage Company · California · NMLS #7924
Avg Closing Costs
$7,677
median across reports
vs. National Average
127%
above national avg
Avg Origination Charge
$4,506
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $4,506 | $1,584 | 🔺 High |
| Title Insurance | $3,487 | $3,111 | 🔴 Above Avg |
| discount_points | $3,117 | $2,242 | 🔴 Above Avg |
| lender_credits | $2,265 | $428 | 🔺 High |
| Underwriting Fee | $1,687 | $1,473 | 🔴 Above Avg |
| Appraisal | $1,217 | $1,081 | 🔴 Above Avg |
| Settlement/Closing Fee | $1,080 | $986 | 🟡 Average |
| Processing Fee | $888 | $790 | 🔴 Above Avg |
| Title Search | $441 | $392 | 🔴 Above Avg |
| Recording Fee | $378 | $344 | 🟡 Average |
| Rate Lock Fee | $373 | $376 | 🟡 Average |
| Document Preparation | $155 | $147 | 🟡 Average |
| Tax Service Fee | $144 | $128 | 🔴 Above Avg |
| Credit Report | $77 | $69 | 🔴 Above Avg |
| Wire Transfer Fee | $76 | $69 | 🔴 Above Avg |
| Courier/Delivery | $65 | $58 | 🔴 Above Avg |
| Flood Certification | $26 | $23 | 🔴 Above Avg |
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Based on 12,859 homebuyer-submitted Closing Disclosures, Plaza Home Mortgage's median total closing costs are $7,677. This is about 127% above 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?
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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.
Closing Costs in California
State-specific benchmarks for California.
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Aggregates from Plaza Home Mortgage, Inc.'s 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
9,254
Ranked #42 nationally
Median Total Costs
$8,123
+21.6% vs national ($6,680)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$2,323
Median Lender Credits
$812
Cost Rank (500+ vol.)
#448
among lenders with 500+ originations
Denial Rate
17.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 4,579 | 6.625% | $6,468 | $2,826 |
| fha | 3,290 | 6.490% | $10,910 | $2,050 |
| va | 1,112 | 6.375% | $7,921 | $1,521 |
| usda | 273 | 6.375% | $6,785 | $2,363 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 1,384 | 6.375% | $9,277 | #48 |
| New York | 872 | 6.625% | $9,588 | #26 |
| Florida | 702 | 6.625% | $10,102 | #64 |
| Pennsylvania | 629 | 6.500% | $7,950 | #33 |
| Minnesota | 507 | 6.375% | $6,387 | #30 |
| California | 472 | 6.500% | $12,958 | #80 |
| Indiana | 388 | 6.562% | $4,897 | #47 |
| North Carolina | 355 | 6.375% | $7,409 | #69 |
| Michigan | 354 | 6.625% | $5,136 | #56 |
| Illinois | 309 | 6.625% | $6,362 | #67 |
| Arizona | 254 | 6.433% | $8,031 | #62 |
| Georgia | 244 | 6.490% | $8,666 | #85 |
| Missouri | 201 | 6.750% | $5,098 | #56 |
| South Carolina | 201 | 6.625% | $7,705 | #75 |
| Connecticut | 191 | 6.625% | $9,519 | #31 |
| Oregon | 165 | 6.500% | $11,211 | #50 |
| Iowa | 152 | 6.562% | $5,159 | #46 |
| Colorado | 139 | 6.375% | $8,395 | #96 |
| Kentucky | 139 | 6.500% | $6,362 | #70 |
| Ohio | 137 | 6.625% | $6,620 | #114 |
| New Jersey | 128 | 6.625% | $12,521 | #89 |
| Alabama | 123 | 6.500% | $7,298 | #82 |
| Oklahoma | 109 | 6.500% | $7,082 | #65 |
| New Mexico | 98 | 6.490% | $6,765 | #39 |
| Virginia | 97 | 6.500% | $10,300 | #129 |
| Louisiana | 96 | 6.500% | $8,275 | #59 |
| Washington | 95 | 6.490% | $12,024 | #113 |
| Utah | 89 | 6.375% | $11,237 | #59 |
| Maryland | 76 | 6.625% | $10,759 | #111 |
| Tennessee | 72 | 6.490% | $7,905 | #153 |
| Mississippi | 61 | 6.625% | $6,677 | #65 |
| Massachusetts | 59 | 6.500% | $12,037 | #123 |
| Wisconsin | 48 | 6.500% | $6,033 | — |
| Kansas | 44 | 6.375% | $7,058 | — |
| Wyoming | 38 | 6.375% | $6,437 | — |
| Nevada | 37 | 6.375% | $9,515 | — |
| Hawaii | 34 | 6.495% | $15,397 | — |
| Alaska | 25 | 6.375% | $9,577 | — |
| Arkansas | 19 | 6.500% | $7,442 | — |
| Delaware | 19 | 6.625% | $9,566 | — |
| Montana | 16 | 6.125% | $10,943 | — |
| Idaho | 15 | 6.125% | $12,651 | — |
| North Dakota | 12 | 6.188% | $6,468 | — |
| New Hampshire | 11 | 6.125% | $5,311 | — |
| Nebraska | 10 | 6.625% | $6,650 | — |
| District of Columbia | 8 | 6.750% | $6,097 | — |
| South Dakota | 7 | 6.500% | $5,136 | — |
| Rhode Island | 5 | 6.875% | $6,429 | — |
| West Virginia | 5 | 6.250% | $8,619 | — |
| Maine | 3 | 6.625% | $6,608 | — |
| This lender | Texas median | National median | |
|---|---|---|---|
| Total Closing Costs | $9,277 | $8,397 | $6,680 |
| Interest Rate | 6.375% | 6.250% | 6.490% |
| Originations in state | 1,384 | — | — |
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 | Plaza Home Mortgage, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $275,000 | $335,000 | −$60,000 (−17.9%) |
| Median total closing costs | $8,123 | $7,127 | +$996 (+14.0%) |