Grade A · 0% of disclosures flagged for junk fees
Online Lender · Texas · NMLS #2059183
Avg Closing Costs
$4,337
median across reports
vs. National Average
33%
above national avg
Avg Origination Charge
$2,621
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Title Insurance | $2,740 | $3,405 | 🟢 Below Avg |
| Origination Fee | $2,621 | $1,618 | 🔺 High |
| discount_points | $2,522 | $1,883 | 🔴 Above Avg |
| Underwriting Fee | $1,289 | $1,546 | 🟢 Below Avg |
| Appraisal | $939 | $1,125 | 🟢 Below Avg |
| Settlement/Closing Fee | $845 | $1,053 | 🟢 Below Avg |
| Processing Fee | $690 | $841 | 🟢 Below Avg |
| lender_credits | $535 | $358 | 🔴 Above Avg |
| Rate Lock Fee | $368 | $370 | 🟡 Average |
| Title Search | $339 | $412 | 🟢 Below Avg |
| Recording Fee | $296 | $364 | 🟢 Below Avg |
| Document Preparation | $152 | $159 | 🟡 Average |
| Tax Service Fee | $111 | $135 | 🟢 Below Avg |
| Wire Transfer Fee | $61 | $72 | 🟢 Below Avg |
| Credit Report | $61 | $71 | 🟢 Below Avg |
| Courier/Delivery | $51 | $63 | 🟢 Below Avg |
| Flood Certification | $21 | $25 | 🟢 Below Avg |
Got a Loan Estimate from Tomo Mortgage? See if your rate and fees are competitive.
Check My Loan Estimate — $19Based on 3,551 homebuyer-submitted Closing Disclosures, Tomo Mortgage's median total closing costs are $4,337. This is about 33% above the $3,257 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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How to Read Your Closing Disclosure
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Average Closing Costs by State
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Closing Costs in Texas
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Federal data snapshot (2025)
In 2025, Tomo Mortgage, LLC originated 2,609 purchase loans with median closing costs of $4,381.
See 2025 HMDA market data for Tomo Mortgage, LLC →Popular Refinance Pages
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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.