Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$3,531
median across reports
vs. National Average
45%
below national avg
Avg Origination Charge
$1,139
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $1,553 | $3,585 | 🟢 Below Avg |
| Origination Fee | $1,139 | $3,743 | 🟢 Below Avg |
| lender_credits | $415 | $1,150 | 🟢 Below Avg |
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Check My Loan Estimate — $19Based on 331 homebuyer-submitted Closing Disclosures, VeraBank, National Association's median total closing costs are $3,531. This is about 45% 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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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 VeraBank, National Association with another lender
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Aggregates from VeraBank, National Association's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
228
Median Total Costs
$3,703
−44.6% vs national ($6,680)
Median Rate
7.000%
+7.9% vs national (6.490%)
Median Origination
$1,000
Median Lender Credits
$550
Denial Rate
8.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 207 | 7.000% | $3,531 | $1,000 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 227 | 7.000% | $3,701 | #188 |
| West Virginia | 1 | 6.625% | $6,389 | — |
| This lender | Texas median | National median | |
|---|---|---|---|
| Total Closing Costs | $3,701 | $8,397 | $6,680 |
| Interest Rate | 7.000% | 6.250% | 6.490% |
| Originations in state | 227 | — | — |
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 | VeraBank, National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $260,000 | $335,000 | −$75,000 (−22.4%) |
| Median total closing costs | $3,703 | $7,127 | −$3,424 (−48.0%) |
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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.