Mortgage Company · Virginia · NMLS #184887
Avg Closing Costs
$18,692
median across reports
vs. National Average
14%
above national avg
Avg Origination Charge
$8,853
Section A lender fee
Reports with Junk Fees
36%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $8,853 | $7,829 | 🔴 Above Avg |
| Title Insurance | $3,460 | $3,110 | 🔴 Above Avg |
| Underwriting Fee | $1,600 | $1,459 | 🟡 Average |
| Appraisal | $1,166 | $1,065 | 🟡 Average |
| Settlement/Closing Fee | $1,077 | $973 | 🔴 Above Avg |
| Processing Fee | $857 | $777 | 🔴 Above Avg |
| Title Search | $429 | $388 | 🔴 Above Avg |
| Rate Lock Fee | $386 | $347 | 🔴 Above Avg |
| Recording Fee | $380 | $340 | 🔴 Above Avg |
| Document Preparation | $182 | $164 | 🔴 Above Avg |
| Tax Service Fee | $140 | $126 | 🔴 Above Avg |
| Credit Report | $78 | $68 | 🔴 Above Avg |
| Wire Transfer Fee | $74 | $68 | 🟡 Average |
| Courier/Delivery | $63 | $58 | 🟡 Average |
| Flood Certification | $25 | $23 | 🟡 Average |
Based on 47 homebuyer-submitted Closing Disclosures, Prosperity Home Mortgage's median total closing costs are $18,692. This is about 14% 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?
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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 Virginia
State-specific benchmarks for Virginia.
Compare Prosperity Home Mortgage with another lender
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