Is This Mortgage Fee or Closing Cost Normal?
988+ free guides covering mortgage fees, closing costs, competitive rates, and renewal offers. Find what is normal, what is high, and what to question before signing.
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Closing Cost Guides
Average closing costs for 100+ cities across the US — with state-specific transfer taxes, attorney requirements, and first-time buyer programs.
California
Avg 2.4% of price
Texas
Avg 1.7% of price
Florida
Avg 2.3% of price
New York
Avg 3.1% of price
Pennsylvania
Avg 2.0% of price
Illinois
Avg 2.2% of price
Ohio
Avg 1.6% of price
Georgia
Avg 2.0% of price
North Carolina
Avg 2.0% of price
Michigan
Avg 2.3% of price
Lender Rate Verification Guides
Is your lender quoting a competitive rate? These guides explain how to verify any lender's quote against independent market data.
40+ Major Lenders
Online, bank, credit union, builder, wholesale, and regional
Fee Guides
Is a specific fee on your Loan Estimate normal? Find out by fee type and state.
Origination Fee
50 guidesUnderwriting Fee
50 guidesProcessing Fee
50 guidesApplication Fee
50 guidesRate Lock Fee
50 guidesAppraisal Fee
50 guidesTitle Insurance
50 guidesSettlement Fee
50 guidesDocument Prep Fee
50 guidesFlood Certification
50 guidesRate Guides
What rate should you get based on your credit score and down payment?
Texas
620-639 credit
3% down
8.500%
California
620-639 credit
3% down
8.500%
Florida
620-639 credit
3% down
8.500%
New York
620-639 credit
3% down
8.500%
Illinois
620-639 credit
3% down
8.500%
Georgia
620-639 credit
3% down
8.500%
Texas
620-639 credit
5% down
8.375%
California
620-639 credit
5% down
8.375%
Florida
620-639 credit
5% down
8.375%
New York
620-639 credit
5% down
8.375%
Illinois
620-639 credit
5% down
8.375%
Georgia
620-639 credit
5% down
8.375%
Texas
620-639 credit
10% down
8.250%
California
620-639 credit
10% down
8.250%
Florida
620-639 credit
10% down
8.250%
New York
620-639 credit
10% down
8.250%
Illinois
620-639 credit
10% down
8.250%
Georgia
620-639 credit
10% down
8.250%
Texas
620-639 credit
15% down
8.125%
California
620-639 credit
15% down
8.125%
Florida
620-639 credit
15% down
8.125%
New York
620-639 credit
15% down
8.125%
Illinois
620-639 credit
15% down
8.125%
Georgia
620-639 credit
15% down
8.125%
Closing Cost Averages by State
Average loan estimate fees for every state — see what borrowers pay and what they can negotiate.
Alabama
Avg: $4,665
Alaska
Avg: $6,200
Arizona
Avg: $5,835
Arkansas
Avg: $4,410
California
Avg: $7,020
Colorado
Avg: $6,175
Connecticut
Avg: $6,360
Delaware
Avg: $6,515
Florida
Avg: $6,210
Georgia
Avg: $5,680
Hawaii
Avg: $7,505
Idaho
Avg: $5,000
Illinois
Avg: $5,915
Indiana
Avg: $4,160
Iowa
Avg: $3,655
Kansas
Avg: $4,065
Kentucky
Avg: $4,485
Louisiana
Avg: $4,715
Maine
Avg: $5,760
Maryland
Avg: $6,490
Massachusetts
Avg: $6,595
Michigan
Avg: $4,990
Minnesota
Avg: $5,155
Mississippi
Avg: $4,285
Missouri
Avg: $3,965
Montana
Avg: $4,640
Nebraska
Avg: $3,980
Nevada
Avg: $5,800
New Hampshire
Avg: $5,820
New Jersey
Avg: $7,210
New Mexico
Avg: $4,540
New York
Avg: $8,155
North Carolina
Avg: $5,160
North Dakota
Avg: $3,910
Ohio
Avg: $4,935
Oklahoma
Avg: $4,335
Oregon
Avg: $5,900
Pennsylvania
Avg: $7,030
Rhode Island
Avg: $5,855
South Carolina
Avg: $5,025
South Dakota
Avg: $3,705
Tennessee
Avg: $4,635
Texas
Avg: $6,395
Utah
Avg: $5,240
Vermont
Avg: $5,600
Virginia
Avg: $6,050
Washington
Avg: $6,685
West Virginia
Avg: $4,185
Wisconsin
Avg: $4,500
Wyoming
Avg: $4,410
Ready to analyze your actual Loan Estimate?
These guides give you benchmarks. FairRate gives you a verdict on your specific fees with word-for-word negotiation language — in under 60 seconds.