Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$3,919
median across reports
vs. National Average
16%
above national avg
Avg Origination Charge
$1,460
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $1,655 | $2,242 | 🟢 Below Avg |
| Origination Fee | $1,460 | $1,584 | 🟡 Average |
| lender_credits | $647 | $428 | 🔺 High |
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Check My Loan Estimate — $19Based on 1,150 homebuyer-submitted Closing Disclosures, Wings Financial Credit Union's median total closing costs are $3,919. This is about 16% above 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.
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Average Closing Costs by State
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Aggregates from Wings Financial Credit Union's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
781
Ranked #465 nationally
Median Total Costs
$3,978
−40.5% vs national ($6,680)
Median Rate
6.125%
−5.6% vs national (6.490%)
Median Origination
$1,250
Median Lender Credits
$650
Cost Rank (500+ vol.)
#110
among lenders with 500+ originations
Denial Rate
2.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 781 | 6.125% | $3,978 | $1,250 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Minnesota | 597 | 6.125% | $3,972 | #24 |
| Wisconsin | 73 | 6.250% | $3,026 | #115 |
| Florida | 21 | 5.875% | $5,116 | — |
| Michigan | 7 | 6.000% | $3,302 | — |
| North Carolina | 7 | 6.250% | $3,786 | — |
| Arizona | 6 | 6.188% | $5,577 | — |
| Georgia | 6 | 6.000% | $4,750 | — |
| Texas | 6 | 5.938% | $7,454 | — |
| Washington | 6 | 5.938% | $4,954 | — |
| Iowa | 5 | 6.000% | $3,015 | — |
| Tennessee | 5 | 6.125% | $3,866 | — |
| California | 4 | 5.875% | $6,262 | — |
| Indiana | 4 | 6.125% | $3,544 | — |
| Virginia | 4 | 5.938% | $3,901 | — |
| Missouri | 3 | 5.625% | $4,408 | — |
| Oregon | 3 | 5.875% | $5,258 | — |
| Alaska | 2 | 6.250% | $5,110 | — |
| Colorado | 2 | 6.250% | $3,304 | — |
| Illinois | 2 | 6.312% | $5,861 | — |
| New York | 2 | 6.250% | $5,324 | — |
| Ohio | 2 | 6.250% | $4,703 | — |
| Pennsylvania | 2 | 5.938% | $4,909 | — |
| Connecticut | 1 | 5.875% | $3,310 | — |
| Louisiana | 1 | 6.625% | $4,317 | — |
| Massachusetts | 1 | 5.375% | $15,370 | — |
| Mississippi | 1 | 6.750% | $3,823 | — |
| North Dakota | 1 | 6.750% | $3,814 | — |
| Nebraska | 1 | 6.125% | $2,902 | — |
| New Hampshire | 1 | 5.875% | $4,414 | — |
| New Jersey | 1 | 6.250% | $6,526 | — |
| Nevada | 1 | 6.125% | $5,138 | — |
| Rhode Island | 1 | 6.250% | $4,278 | — |
| South Carolina | 1 | 6.000% | $8,238 | — |
| South Dakota | 1 | 6.250% | $3,024 | — |
| This lender | Minnesota median | National median | |
|---|---|---|---|
| Total Closing Costs | $3,972 | $5,563 | $6,680 |
| Interest Rate | 6.125% | 6.500% | 6.490% |
| Originations in state | 597 | — | — |
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 | Wings Financial Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $345,000 | $335,000 | +$10,000 (+3.0%) |
| Median total closing costs | $3,978 | $7,127 | −$3,149 (−44.2%) |