{
  "name": "Mortgage Closing Fees by County (HMDA 2023)",
  "description": "Median mortgage closing fees for U.S. counties, computed from millions of actually-reported 2023 HMDA purchase-loan originations: the median total loan costs (lender + third-party fees, excluding prepaids and escrow), the median lender origination charges, and the median loan amount for context. Each county is the median of real reported loans (n>=30; smaller samples suppressed), not a national average or a quote, and every row links to the FFIEC HMDA Data Browser filtered to that county so the figure can be reproduced. Free to download and cite under ODC-BY 1.0.",
  "source": "https://tallyclose.com/data/mortgage-closing-fees-by-county",
  "sourceData": {
    "name": "FFIEC HMDA Snapshot (Data Browser API), purchase-loan originations 2023 — ODC-BY 1.0",
    "url": "https://ffiec.cfpb.gov/data-browser/",
    "year": 2023
  },
  "publisher": "TallyClose",
  "attribution": "TallyClose — https://tallyclose.com",
  "license": "ODC-BY 1.0 (https://opendatacommons.org/licenses/by/1-0/)",
  "unit": "USD",
  "lastReviewed": "June 2026",
  "rowCount": 174,
  "disclaimer": "This calculator provides estimates only. Actual closing costs vary by lender, title company, and local market conditions. Figures are general information — not financial, legal, or tax advice. Confirm with your lender, a licensed title professional, or an attorney before you close. Transfer-tax rates, recording fees and title methods shown are based on the official source cited on this page as of the verified date. Rates change and local taxes vary — always confirm the current amount with the applicable county recorder's office or a licensed title professional before closing. These figures are descriptive past statistics — the median of actually-reported 2023 HMDA loans in each county, not a quote for your loan. Compare them against your own lender quotes.",
  "columns": {
    "fips": "5-digit county FIPS code",
    "county": "county name",
    "state": "U.S. state name",
    "stateCode": "USPS two-letter state code",
    "n": "number of 2023 HMDA purchase-loan originations behind the medians (sample size)",
    "medTotalLoanCosts": "median total loan costs = lender + third-party fees, excluding prepaids/escrow (USD)",
    "medOrigCharges": "median lender origination charges (USD); null when not separately reported",
    "medLoanAmount": "median loan amount for context (USD); null when unavailable",
    "sourceUrl": "FFIEC HMDA Data Browser deep link filtered to this county's FIPS"
  },
  "rows": [
    {
      "fips": "12086",
      "county": "Miami-Dade County",
      "state": "Florida",
      "stateCode": "FL",
      "n": 15880,
      "medTotalLoanCosts": 12696,
      "medOrigCharges": 5942.88,
      "medLoanAmount": 435000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=12086"
    },
    {
      "fips": "15003",
      "county": "Honolulu County",
      "state": "Hawaii",
      "stateCode": "HI",
      "n": 4954,
      "medTotalLoanCosts": 12472,
      "medOrigCharges": 6042,
      "medLoanAmount": 595000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=15003"
    },
    {
      "fips": "06071",
      "county": "San Bernardino County",
      "state": "California",
      "stateCode": "CA",
      "n": 15091,
      "medTotalLoanCosts": 12092.19,
      "medOrigCharges": 5520.08,
      "medLoanAmount": 425000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=06071"
    },
    {
      "fips": "06065",
      "county": "Riverside County",
      "state": "California",
      "stateCode": "CA",
      "n": 20800,
      "medTotalLoanCosts": 11748,
      "medOrigCharges": 5059.1,
      "medLoanAmount": 475000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=06065"
    },
    {
      "fips": "06037",
      "county": "Los Angeles County",
      "state": "California",
      "stateCode": "CA",
      "n": 34184,
      "medTotalLoanCosts": 11709,
      "medOrigCharges": 5260.18,
      "medLoanAmount": 655000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=06037"
    },
    {
      "fips": "06099",
      "county": "Stanislaus County",
      "state": "California",
      "stateCode": "CA",
      "n": 3125,
      "medTotalLoanCosts": 11225.65,
      "medOrigCharges": 6151,
      "medLoanAmount": 395000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=06099"
    },
    {
      "fips": "36103",
      "county": "Suffolk County",
      "state": "New York",
      "stateCode": "NY",
      "n": 10814,
      "medTotalLoanCosts": 11200,
      "medOrigCharges": 6019,
      "medLoanAmount": 475000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=36103"
    },
    {
      "fips": "06073",
      "county": "San Diego County",
      "state": "California",
      "stateCode": "CA",
      "n": 17771,
      "medTotalLoanCosts": 10893.23,
      "medOrigCharges": 4488,
      "medLoanAmount": 655000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=06073"
    },
    {
      "fips": "36005",
      "county": "Bronx County",
      "state": "New York",
      "stateCode": "NY",
      "n": 1735,
      "medTotalLoanCosts": 10876.35,
      "medOrigCharges": 6417.9,
      "medLoanAmount": 505000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=36005"
    },
    {
      "fips": "36059",
      "county": "Nassau County",
      "state": "New York",
      "stateCode": "NY",
      "n": 8412,
      "medTotalLoanCosts": 10559,
      "medOrigCharges": 5614,
      "medLoanAmount": 545000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=36059"
    },
    {
      "fips": "06029",
      "county": "Kern County",
      "state": "California",
      "stateCode": "CA",
      "n": 6416,
      "medTotalLoanCosts": 10409,
      "medOrigCharges": 5044,
      "medLoanAmount": 315000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=06029"
    },
    {
      "fips": "24033",
      "county": "Prince George's County",
      "state": "Maryland",
      "stateCode": "MD",
      "n": 7891,
      "medTotalLoanCosts": 10399,
      "medOrigCharges": 4412.5,
      "medLoanAmount": 395000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=24033"
    },
    {
      "fips": "12011",
      "county": "Broward County",
      "state": "Florida",
      "stateCode": "FL",
      "n": 16307,
      "medTotalLoanCosts": 10230.3,
      "medOrigCharges": 4827.07,
      "medLoanAmount": 375000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=12011"
    },
    {
      "fips": "06107",
      "county": "Tulare County",
      "state": "California",
      "stateCode": "CA",
      "n": 2045,
      "medTotalLoanCosts": 10156.7,
      "medOrigCharges": 5311.56,
      "medLoanAmount": 315000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=06107"
    },
    {
      "fips": "06077",
      "county": "San Joaquin County",
      "state": "California",
      "stateCode": "CA",
      "n": 5784,
      "medTotalLoanCosts": 10143,
      "medOrigCharges": 5555,
      "medLoanAmount": 475000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=06077"
    },
    {
      "fips": "53053",
      "county": "Pierce County",
      "state": "Washington",
      "stateCode": "WA",
      "n": 8893,
      "medTotalLoanCosts": 10123.47,
      "medOrigCharges": 5500,
      "medLoanAmount": 445000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=53053"
    },
    {
      "fips": "06019",
      "county": "Fresno County",
      "state": "California",
      "stateCode": "CA",
      "n": 5682,
      "medTotalLoanCosts": 10056,
      "medOrigCharges": 5203,
      "medLoanAmount": 345000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=06019"
    },
    {
      "fips": "48479",
      "county": "Webb County",
      "state": "Texas",
      "stateCode": "TX",
      "n": 1552,
      "medTotalLoanCosts": 9922,
      "medOrigCharges": 3871.04,
      "medLoanAmount": 225000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=48479"
    },
    {
      "fips": "48215",
      "county": "Hidalgo County",
      "state": "Texas",
      "stateCode": "TX",
      "n": 3854,
      "medTotalLoanCosts": 9848,
      "medOrigCharges": 4317,
      "medLoanAmount": 225000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=48215"
    },
    {
      "fips": "53067",
      "county": "Thurston County",
      "state": "Washington",
      "stateCode": "WA",
      "n": 3105,
      "medTotalLoanCosts": 9729.13,
      "medOrigCharges": 5157,
      "medLoanAmount": 425000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=53067"
    },
    {
      "fips": "06111",
      "county": "Ventura County",
      "state": "California",
      "stateCode": "CA",
      "n": 4048,
      "medTotalLoanCosts": 9615,
      "medOrigCharges": 3976.5,
      "medLoanAmount": 625000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=06111"
    },
    {
      "fips": "12105",
      "county": "Polk County",
      "state": "Florida",
      "stateCode": "FL",
      "n": 12968,
      "medTotalLoanCosts": 9562,
      "medOrigCharges": 4160,
      "medLoanAmount": 295000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=12105"
    },
    {
      "fips": "32031",
      "county": "Washoe County",
      "state": "Nevada",
      "stateCode": "NV",
      "n": 4360,
      "medTotalLoanCosts": 9507,
      "medOrigCharges": 5459,
      "medLoanAmount": 415000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=32031"
    },
    {
      "fips": "06059",
      "county": "Orange County",
      "state": "California",
      "stateCode": "CA",
      "n": 13626,
      "medTotalLoanCosts": 9363,
      "medOrigCharges": 3385,
      "medLoanAmount": 725000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=06059"
    },
    {
      "fips": "04021",
      "county": "Pinal County",
      "state": "Arizona",
      "stateCode": "AZ",
      "n": 9722,
      "medTotalLoanCosts": 9317,
      "medOrigCharges": 4435,
      "medLoanAmount": 325000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=04021"
    },
    {
      "fips": "24003",
      "county": "Anne Arundel County",
      "state": "Maryland",
      "stateCode": "MD",
      "n": 5978,
      "medTotalLoanCosts": 9316,
      "medOrigCharges": 4260,
      "medLoanAmount": 415000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=24003"
    },
    {
      "fips": "34013",
      "county": "Essex County",
      "state": "New Jersey",
      "stateCode": "NJ",
      "n": 4389,
      "medTotalLoanCosts": 9283.05,
      "medOrigCharges": 3425,
      "medLoanAmount": 485000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=34013"
    },
    {
      "fips": "06097",
      "county": "Sonoma County",
      "state": "California",
      "stateCode": "CA",
      "n": 2703,
      "medTotalLoanCosts": 9269.06,
      "medOrigCharges": 4611.95,
      "medLoanAmount": 585000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=06097"
    },
    {
      "fips": "12095",
      "county": "Orange County",
      "state": "Florida",
      "stateCode": "FL",
      "n": 11968,
      "medTotalLoanCosts": 9197,
      "medOrigCharges": 4429.03,
      "medLoanAmount": 365000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=12095"
    },
    {
      "fips": "12099",
      "county": "Palm Beach County",
      "state": "Florida",
      "stateCode": "FL",
      "n": 14271,
      "medTotalLoanCosts": 9184.66,
      "medOrigCharges": 4278,
      "medLoanAmount": 385000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=12099"
    },
    {
      "fips": "32003",
      "county": "Clark County",
      "state": "Nevada",
      "stateCode": "NV",
      "n": 24747,
      "medTotalLoanCosts": 9100.34,
      "medOrigCharges": 4603.2,
      "medLoanAmount": 365000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=32003"
    },
    {
      "fips": "36081",
      "county": "Queens County",
      "state": "New York",
      "stateCode": "NY",
      "n": 7169,
      "medTotalLoanCosts": 9047.5,
      "medOrigCharges": 5143,
      "medLoanAmount": 515000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=36081"
    },
    {
      "fips": "12071",
      "county": "Lee County",
      "state": "Florida",
      "stateCode": "FL",
      "n": 12748,
      "medTotalLoanCosts": 9018,
      "medOrigCharges": 3912,
      "medLoanAmount": 325000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=12071"
    },
    {
      "fips": "48061",
      "county": "Cameron County",
      "state": "Texas",
      "stateCode": "TX",
      "n": 2108,
      "medTotalLoanCosts": 8967,
      "medOrigCharges": 3905.09,
      "medLoanAmount": 215000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=48061"
    },
    {
      "fips": "12057",
      "county": "Hillsborough County",
      "state": "Florida",
      "stateCode": "FL",
      "n": 16132,
      "medTotalLoanCosts": 8897,
      "medOrigCharges": 3895,
      "medLoanAmount": 345000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=12057"
    },
    {
      "fips": "36047",
      "county": "Kings County (Brooklyn)",
      "state": "New York",
      "stateCode": "NY",
      "n": 5703,
      "medTotalLoanCosts": 8764.92,
      "medOrigCharges": 4084,
      "medLoanAmount": 695000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=36047"
    },
    {
      "fips": "48453",
      "county": "Travis County",
      "state": "Texas",
      "stateCode": "TX",
      "n": 12935,
      "medTotalLoanCosts": 8753.92,
      "medOrigCharges": 3737,
      "medLoanAmount": 405000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=48453"
    },
    {
      "fips": "04013",
      "county": "Maricopa County",
      "state": "Arizona",
      "stateCode": "AZ",
      "n": 48354,
      "medTotalLoanCosts": 8691,
      "medOrigCharges": 4095,
      "medLoanAmount": 385000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=04013"
    },
    {
      "fips": "49035",
      "county": "Salt Lake County",
      "state": "Utah",
      "stateCode": "UT",
      "n": 9668,
      "medTotalLoanCosts": 8652,
      "medOrigCharges": 5275,
      "medLoanAmount": 425000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=49035"
    },
    {
      "fips": "48029",
      "county": "Bexar County",
      "state": "Texas",
      "stateCode": "TX",
      "n": 22664,
      "medTotalLoanCosts": 8610,
      "medOrigCharges": 3720,
      "medLoanAmount": 275000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=48029"
    },
    {
      "fips": "06013",
      "county": "Contra Costa County",
      "state": "California",
      "stateCode": "CA",
      "n": 7832,
      "medTotalLoanCosts": 8590,
      "medOrigCharges": 3509.12,
      "medLoanAmount": 625000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=06013"
    },
    {
      "fips": "51153",
      "county": "Prince William County",
      "state": "Virginia",
      "stateCode": "VA",
      "n": 4811,
      "medTotalLoanCosts": 8565.9,
      "medOrigCharges": 3910,
      "medLoanAmount": 465000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=51153"
    },
    {
      "fips": "49049",
      "county": "Utah County",
      "state": "Utah",
      "stateCode": "UT",
      "n": 8423,
      "medTotalLoanCosts": 8565.5,
      "medOrigCharges": 5357.09,
      "medLoanAmount": 415000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=49049"
    },
    {
      "fips": "16001",
      "county": "Ada County",
      "state": "Idaho",
      "stateCode": "ID",
      "n": 5651,
      "medTotalLoanCosts": 8563.72,
      "medOrigCharges": 5016,
      "medLoanAmount": 385000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=16001"
    },
    {
      "fips": "48439",
      "county": "Tarrant County",
      "state": "Texas",
      "stateCode": "TX",
      "n": 20824,
      "medTotalLoanCosts": 8545,
      "medOrigCharges": 3595.58,
      "medLoanAmount": 305000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=48439"
    },
    {
      "fips": "53061",
      "county": "Snohomish County",
      "state": "Washington",
      "stateCode": "WA",
      "n": 7877,
      "medTotalLoanCosts": 8525.3,
      "medOrigCharges": 4975,
      "medLoanAmount": 555000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=53061"
    },
    {
      "fips": "48039",
      "county": "Brazoria County",
      "state": "Texas",
      "stateCode": "TX",
      "n": 4307,
      "medTotalLoanCosts": 8498.53,
      "medOrigCharges": 3799.33,
      "medLoanAmount": 295000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=48039"
    },
    {
      "fips": "47149",
      "county": "Rutherford County",
      "state": "Tennessee",
      "stateCode": "TN",
      "n": 4682,
      "medTotalLoanCosts": 8491,
      "medOrigCharges": 4154,
      "medLoanAmount": 355000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=47149"
    },
    {
      "fips": "48121",
      "county": "Denton County",
      "state": "Texas",
      "stateCode": "TX",
      "n": 16800,
      "medTotalLoanCosts": 8461,
      "medOrigCharges": 3519,
      "medLoanAmount": 385000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=48121"
    },
    {
      "fips": "48113",
      "county": "Dallas County",
      "state": "Texas",
      "stateCode": "TX",
      "n": 17075,
      "medTotalLoanCosts": 8433.9,
      "medOrigCharges": 3446,
      "medLoanAmount": 315000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=48113"
    },
    {
      "fips": "48157",
      "county": "Fort Bend County",
      "state": "Texas",
      "stateCode": "TX",
      "n": 10929,
      "medTotalLoanCosts": 8390.03,
      "medOrigCharges": 3690.75,
      "medLoanAmount": 325000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=48157"
    },
    {
      "fips": "06067",
      "county": "Sacramento County",
      "state": "California",
      "stateCode": "CA",
      "n": 11324,
      "medTotalLoanCosts": 8366,
      "medOrigCharges": 4513.75,
      "medLoanAmount": 425000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=06067"
    },
    {
      "fips": "48339",
      "county": "Montgomery County",
      "state": "Texas",
      "stateCode": "TX",
      "n": 11992,
      "medTotalLoanCosts": 8361,
      "medOrigCharges": 3560,
      "medLoanAmount": 285000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=48339"
    },
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      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=29095"
    },
    {
      "fips": "31055",
      "county": "Douglas County",
      "state": "Nebraska",
      "stateCode": "NE",
      "n": 6021,
      "medTotalLoanCosts": 3457.19,
      "medOrigCharges": 1440,
      "medLoanAmount": 245000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=31055"
    },
    {
      "fips": "20091",
      "county": "Johnson County",
      "state": "Kansas",
      "stateCode": "KS",
      "n": 6419,
      "medTotalLoanCosts": 3331.88,
      "medOrigCharges": 1556,
      "medLoanAmount": 345000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=20091"
    },
    {
      "fips": "55079",
      "county": "Milwaukee County",
      "state": "Wisconsin",
      "stateCode": "WI",
      "n": 6919,
      "medTotalLoanCosts": 3193.55,
      "medOrigCharges": 1425,
      "medLoanAmount": 215000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=55079"
    },
    {
      "fips": "19153",
      "county": "Polk County",
      "state": "Iowa",
      "stateCode": "IA",
      "n": 6252,
      "medTotalLoanCosts": 2935,
      "medOrigCharges": 1382,
      "medLoanAmount": 215000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=19153"
    },
    {
      "fips": "31109",
      "county": "Lancaster County",
      "state": "Nebraska",
      "stateCode": "NE",
      "n": 3261,
      "medTotalLoanCosts": 2804.26,
      "medOrigCharges": 1145,
      "medLoanAmount": 235000,
      "sourceUrl": "https://ffiec.cfpb.gov/data-browser/data/2023?category=counties&counties=31109"
    }
  ]
}