| |
| Item | California | U.S.
average | | Origination fees | | |
| Loan amount | $180,000 | $180,000 |
| Points | 0.646% | 0.485% |
| Points ($) | $1,163 | $874 |
| Administration fee | $278 | $237 |
| Application fee | $282 | $284 |
| Commitment fee | -- | $425 |
| Document preparation | $189 | $206 |
| Funding fee | $192 | $181 |
| Mortgage broker, origination or lender
fees | $1,111 | $853 |
| Processing | $374 | $369 |
| Tax service | $68 | $69 |
| Underwriting | $286 | $303 |
| Wire transfer | $25 | $24 |
| | | |
| Title and closing fees | | |
| Appraisal | $325 | $327 |
| Attorney, closing or settlement fee | $553 | $426 |
| Credit report | $20 | $20 |
| Flood certification | $14 | $14 |
| Pest, other inspection | $70 | $62 |
| Postage / courier | $46 | $45 |
| Survey | $300 | $234 |
| Title insurance | $749 | $756 |
| Title work: Title search, plat drawing,
name search, endorsements | $133 | $167 |
| | | |
| Total average fees | $3,022 | $2,748 |
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| NOTE: Not every lender
charges for every item. The averages shown are for those that do charge for the
item. This chart omits taxes and government fees
such as documentary stamps, which can vary between cities and counties. It also
omits escrow and prepaid items, which will vary by what day in the month and what
month in the year you have your closing. | | Source:
Bankrate.com research by Karen Christie and Judy Dunn | | | | | | | | | |
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