Grade C · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$7,842
median across reports
vs. National Average
134%
above national avg
Avg Origination Charge
$3,876
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $4,448 | $2,425 | 🔺 High |
| Origination Fee | $3,876 | $1,553 | 🔺 High |
| lender_credits | $1,151 | $443 | 🔺 High |
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Based on 803 homebuyer-submitted Closing Disclosures, Princeton Mortgage Corporation's median total closing costs are $7,842. This is about 134% above the $3,356 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.
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What Are Junk Fees on a Mortgage?
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Average Closing Costs by State
Benchmark your costs against the state average.
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Aggregates from Princeton Mortgage Corporation's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
600
Ranked #568 nationally
Median Total Costs
$8,225
+23.1% vs national ($6,680)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$2,522
Median Lender Credits
$141
Cost Rank (500+ vol.)
#459
among lenders with 500+ originations
Denial Rate
6.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 376 | 6.625% | $7,113 | $3,095 |
| fha | 142 | 6.375% | $10,944 | $1,595 |
| va | 77 | 6.250% | $8,064 | $1,499 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 142 | 6.750% | $7,906 | #131 |
| Georgia | 97 | 6.490% | $8,551 | #146 |
| Tennessee | 93 | 6.490% | $10,275 | #132 |
| New Jersey | 62 | 6.625% | $6,972 | #137 |
| Florida | 43 | 6.500% | $9,635 | — |
| Alabama | 40 | 6.250% | $8,363 | — |
| North Carolina | 26 |
| This lender | Pennsylvania median | National median | |
|---|---|---|---|
| Total Closing Costs | $7,906 | $6,500 | $6,680 |
| Interest Rate | 6.750% | 6.500% | 6.490% |
| Originations in state | 142 | — | — |
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 | Princeton Mortgage Corporation | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $335,000 | $335,000 | +$0 (+0.0%) |
| Median total closing costs | $8,225 | $7,127 | +$1,098 (+15.4%) |
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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% |
| $4,639 |
| — |
| Virginia | 25 | 6.500% | $7,734 | — |
| South Carolina | 11 | 6.625% | $8,713 | — |
| Texas | 9 | 6.625% | $5,904 | — |
| Connecticut | 8 | 6.688% | $8,755 | — |
| Illinois | 8 | 6.562% | $9,436 | — |
| Delaware | 7 | 6.750% | $8,931 | — |
| California | 6 | 6.500% | $10,884 | — |
| Colorado | 6 | 6.058% | $7,603 | — |
| Idaho | 2 | 7.000% | $11,881 | — |
| Massachusetts | 2 | 6.495% | $8,603 | — |
| Washington | 2 | 6.688% | $13,360 | — |
| Indiana | 1 | 5.875% | $7,803 | — |
| Kansas | 1 | 6.124% | $7,293 | — |
| Kentucky | 1 | 6.750% | $6,650 | — |
| Louisiana | 1 | 6.490% | $5,409 | — |
| Maryland | 1 | 7.000% | $5,006 | — |
| Michigan | 1 | 5.990% | $7,009 | — |
| New Hampshire | 1 | 6.490% | $4,483 | — |
| Ohio | 1 | 6.990% | $6,054 | — |
| Oklahoma | 1 | 6.990% | $12,197 | — |
| Wisconsin | 1 | 6.750% | $5,478 | — |
| West Virginia | 1 | 6.875% | $7,504 | — |