Grade A · 0% of disclosures flagged for junk fees
Mortgage Company · Michigan · NMLS #3030
Avg Closing Costs
$5,427
median across reports
vs. National Average
59%
above national avg
Avg Origination Charge
$4,169
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $4,169 | $1,591 | 🔺 High |
| discount_points | $3,370 | $2,287 | 🔴 Above Avg |
| Title Insurance | $3,230 | $3,111 | 🟡 Average |
| lender_credits | $1,272 | $450 | 🔺 High |
| Underwriting Fee | $1,230 | $1,473 | 🟢 Below Avg |
| Appraisal | $896 | $1,081 | 🟢 Below Avg |
| Settlement/Closing Fee | $822 | $986 | 🟢 Below Avg |
| Processing Fee | $649 | $790 | 🟢 Below Avg |
| Rate Lock Fee | $347 | $340 | 🟡 Average |
| Title Search | $324 | $392 | 🟢 Below Avg |
| Recording Fee | $283 | $344 | 🟢 Below Avg |
| Document Preparation | $163 | $147 | 🔴 Above Avg |
| Tax Service Fee | $104 | $128 | 🟢 Below Avg |
| Wire Transfer Fee | $57 | $69 | 🟢 Below Avg |
| Credit Report | $56 | $69 | 🟢 Below Avg |
| Courier/Delivery | $49 | $58 | 🟢 Below Avg |
| Flood Certification | $19 | $23 | 🟢 Below Avg |
Got a Loan Estimate from Rocket Mortgage? See if your rate and fees are competitive.
Check My Loan Estimate — $19Based on 429,106 homebuyer-submitted Closing Disclosures, Rocket Mortgage's median total closing costs are $5,427. This is about 59% above the $3,412 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 Michigan
State-specific benchmarks for Michigan.
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Compare Rocket Mortgage with another lender
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Aggregates from Rocket Mortgage, LLC's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
126,084
Ranked #2 nationally
Median Total Costs
$6,874
+2.9% vs national ($6,680)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$2,968
Median Lender Credits
$873
Cost Rank (500+ vol.)
#358
among lenders with 500+ originations
Denial Rate
11.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 91,105 | 6.625% | $5,937 | $3,075 |
| fha | 26,028 | 6.250% | $10,719 | $2,657 |
| va | 8,951 | 6.125% | $8,331 | $2,701 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 14,482 | 6.500% | $8,268 | #2 |
| Texas | 11,153 | 6.490% | $8,119 | #4 |
| Florida | 10,006 | 6.490% | $8,425 | #3 |
| Michigan | 7,555 | 6.625% | $4,684 | #2 |
| Georgia | 6,324 | 6.490% | $7,601 | #2 |
| Pennsylvania | 5,587 | 6.500% | $6,464 | #2 |
| North Carolina | 5,237 |
| This lender | California median | National median | |
|---|---|---|---|
| Total Closing Costs | $8,268 | $9,309 | $6,680 |
| Interest Rate | 6.500% | 6.380% | 6.490% |
| Originations in state | 14,482 | — | — |
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 | Rocket Mortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $315,000 | $335,000 | −$20,000 (−6.0%) |
| Median total closing costs | $6,874 | $7,127 | −$253 (−3.5%) |
Popular Refinance Pages
FairPriceCheck
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.
| 6.500% |
| $6,376 |
| #2 |
| Ohio | 4,830 | 6.625% | $5,874 | #3 |
| Illinois | 4,017 | 6.625% | $6,577 | #4 |
| Arizona | 4,003 | 6.375% | $7,903 | #2 |
| Virginia | 3,850 | 6.490% | $6,413 | #1 |
| New York | 3,110 | 6.625% | $7,194 | #6 |
| Washington | 3,034 | 6.375% | $6,663 | #6 |
| Indiana | 2,826 | 6.625% | $5,325 | #3 |
| Tennessee | 2,702 | 6.500% | $7,104 | #3 |
| Colorado | 2,666 | 6.375% | $5,890 | #3 |
| Maryland | 2,597 | 6.490% | $6,941 | #1 |
| New Jersey | 2,587 | 6.500% | $7,114 | #4 |
| South Carolina | 2,586 | 6.500% | $6,583 | #3 |
| Minnesota | 1,904 | 6.500% | $5,946 | #5 |
| Missouri | 1,860 | 6.625% | $5,374 | #7 |
| Kentucky | 1,756 | 6.500% | $5,490 | #3 |
| Alabama | 1,622 | 6.500% | $6,388 | #5 |
| Massachusetts | 1,569 | 6.500% | $6,577 | #5 |
| Wisconsin | 1,441 | 6.625% | $5,834 | #7 |
| Utah | 1,436 | 6.375% | $6,548 | #6 |
| Oklahoma | 1,382 | 6.625% | $6,438 | #4 |
| Oregon | 1,310 | 6.375% | $8,070 | #4 |
| Kansas | 1,212 | 6.500% | $5,080 | #2 |
| Louisiana | 1,132 | 6.500% | $6,838 | #4 |
| Nevada | 1,095 | 6.490% | $7,438 | #5 |
| Arkansas | 1,051 | 6.625% | $5,586 | #4 |
| Connecticut | 968 | 6.625% | $6,872 | #4 |
| Idaho | 895 | 6.375% | $8,389 | #4 |
| Iowa | 731 | 6.625% | $5,547 | #7 |
| West Virginia | 719 | 6.750% | $6,196 | #1 |
| Mississippi | 717 | 6.500% | $6,709 | #5 |
| New Mexico | 651 | 6.500% | $6,779 | #5 |
| Nebraska | 575 | 6.625% | $5,424 | #7 |
| New Hampshire | 452 | 6.625% | $5,815 | #6 |
| Hawaii | 420 | 6.375% | $9,217 | #4 |
| Maine | 297 | 6.625% | $6,893 | #8 |
| Delaware | 296 | 6.500% | $7,193 | #8 |
| Wyoming | 287 | 6.375% | $7,509 | #4 |
| Montana | 249 | 6.500% | $7,349 | #10 |
| North Dakota | 172 | 6.625% | $6,741 | #9 |
| Vermont | 168 | 6.625% | $8,006 | #7 |
| Rhode Island | 158 | 6.500% | $6,925 | #12 |
| Alaska | 155 | 6.375% | $9,233 | #10 |
| District of Columbia | 146 | 6.375% | $6,410 | #6 |
| South Dakota | 106 | 6.625% | $6,523 | #21 |