Grade B · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$6,802
median across reports
vs. National Average
103%
above national avg
Avg Origination Charge
$4,151
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $4,919 | $2,425 | 🔺 High |
| Origination Fee | $4,151 | $1,553 | 🔺 High |
| lender_credits | $1,111 | $443 | 🔺 High |
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Based on 6,331 homebuyer-submitted Closing Disclosures, Total Mortgage Services, LLC's median total closing costs are $6,802. This is about 103% above the $3,356 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?
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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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Compare Total Mortgage Services, LLC with another lender
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Aggregates from Total Mortgage Services, LLC's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
4,113
Ranked #118 nationally
Median Total Costs
$7,784
+16.5% vs national ($6,680)
Median Rate
6.625%
+2.1% vs national (6.490%)
Median Origination
$2,106
Median Lender Credits
$550
Cost Rank (500+ vol.)
#428
among lenders with 500+ originations
Denial Rate
3.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,873 | 6.750% | $6,167 | $1,895 |
| fha | 984 | 6.500% | $14,397 | $3,932 |
| va | 224 | 6.250% | $11,967 | $2,737 |
| usda | 32 | 6.750% | $7,358 | $2,664 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Connecticut | 1,880 | 6.625% | $6,386 | #1 |
| Massachusetts | 937 | 6.625% | $9,715 | #9 |
| New Hampshire | 249 | 6.625% | $5,353 | #11 |
| Maine | 217 | 6.750% | $7,686 | #15 |
| New York | 131 | 6.750% | $10,746 | #107 |
| Florida | 122 | 6.875% | $8,452 | #213 |
| Pennsylvania | 99 |
| This lender | Connecticut median | National median | |
|---|---|---|---|
| Total Closing Costs | $6,386 | $6,190 | $6,680 |
| Interest Rate | 6.625% | 6.500% | 6.490% |
| Originations in state | 1,880 | — | — |
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 | Total Mortgage Services, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $355,000 | $335,000 | +$20,000 (+6.0%) |
| Median total closing costs | $7,784 | $7,127 | +$657 (+9.2%) |
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.
| 6.875% |
| $7,489 |
| #163 |
| Maryland | 86 | 6.750% | $11,465 | #102 |
| New Jersey | 83 | 6.750% | $7,155 | #117 |
| GU | 74 | 6.250% | $20,115 | #1 |
| Rhode Island | 59 | 6.500% | $12,217 | #37 |
| South Carolina | 58 | 6.812% | $9,002 | #153 |
| Virginia | 32 | 6.750% | $9,199 | — |
| North Carolina | 21 | 6.990% | $10,519 | — |
| Georgia | 10 | 6.688% | $13,195 | — |
| West Virginia | 10 | 6.688% | $9,281 | — |
| Illinois | 8 | 6.625% | $9,897 | — |
| Tennessee | 5 | 6.500% | $14,360 | — |
| Texas | 5 | 6.625% | $9,714 | — |
| Arizona | 4 | 6.250% | $12,176 | — |
| California | 4 | 6.620% | $8,838 | — |
| Kentucky | 3 | 6.750% | $13,663 | — |
| Vermont | 3 | 6.990% | $6,676 | — |
| Washington | 3 | 6.500% | $18,945 | — |
| Arkansas | 2 | 6.188% | $7,996 | — |
| Colorado | 2 | 6.062% | $10,628 | — |
| Michigan | 2 | 6.750% | $4,340 | — |
| District of Columbia | 1 | 6.750% | $11,368 | — |
| Iowa | 1 | 6.500% | $7,346 | — |
| Ohio | 1 | 7.250% | $4,892 | — |
| Oregon | 1 | 6.500% | $12,659 | — |