Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$2,563
median across reports
vs. National Average
24%
below national avg
Avg Origination Charge
$807
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $1,739 | $2,242 | 🟢 Below Avg |
| Origination Fee | $807 | $1,584 | 🟢 Below Avg |
| lender_credits | $332 | $428 | 🟢 Below Avg |
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Based on 415 homebuyer-submitted Closing Disclosures, TLC Community Credit Union's median total closing costs are $2,563. This is about 24% below 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.
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Aggregates from TLC Community Credit Union's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
151
Median Total Costs
$3,110
−53.4% vs national ($6,680)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$1,150
Median Lender Credits
$112
Denial Rate
0.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 151 | 6.500% | $3,110 | $1,150 |
| This lender | Michigan median | National median | |
|---|---|---|---|
| Total Closing Costs | $3,097 | $4,514 | $6,680 |
| Interest Rate | 6.500% | 6.620% | 6.490% |
| Originations in state | 143 | — | — |
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 | TLC Community Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $185,000 | $335,000 | −$150,000 (−44.8%) |
| Median total closing costs | $3,110 | $7,127 | −$4,017 (−56.4%) |