Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$5,082
median across reports
vs. National Average
21%
below national avg
Avg Origination Charge
$3,735
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $3,735 | $3,743 | 🟡 Average |
| discount_points | $3,187 | $3,585 | 🟢 Below Avg |
| lender_credits | $160 | $1,150 | 🟢 Below Avg |
Got a Loan Estimate from Spectra Credit Union? See if your rate and fees are competitive.
Check My Loan Estimate — $19Based on 11 homebuyer-submitted Closing Disclosures, Spectra Credit Union's median total closing costs are $5,082. This is about 21% below the $6,435 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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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.