podcast, our Data Reports, the "A Tale of Two Mortgages" webcomic, and LodeStar Report Newsletter.
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Data Reports
2026 Purchase Mortgage Closing Cost Data Report
Closing costs as a percentage of sales price hovers around 0.5% to 3%, with an average percentage of 1.04% and a median of 0.85%. Just like in 2025, Delaware leads the pack at a whopping 3.06% of the sales price.
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Full Disclosure
What Ticks Us Off the Most
Here on the Full Disclosure podcast, we try to keep things chill. But when it’s time to grind our gears… don’t even get us started.
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A Tale of Two Mortgages
CRM Revisited
Horace and Octavia continue their protracted conflict over the use of the CRM (or lack thereof).
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Loan Estimate Challenges
Utah’s Biggest LE Challenges
Utah is home to a flat, statewide recording fee. The state of Utah has no transfer or mortgage taxes. In Utah, title insurance rates are uniform statewide.
Deeper Thoughts
The Story of “A Tale of Two Mortgages”
Ever wonder where we got the idea to publish a weekly comic strip for the mortgage industry? Read the story of “A Tale of Two Mortgages.”
Loan Estimate Challenges
Arkanasas’s Biggest LE Challenges
Known as “The Natural State,” Arkansas is a fairly straight-forward place when it comes to LE challenges for real estate transactions.
A Tale of Two Mortgages
Just Use RON
Horace’s refusal to embrace technology has consequences for
Loan Estimate Challenges
Wyoming’s Biggest LE Challenges
Known as “The Equality State,” Wyoming holds the distinction of being the first state in the nation to have a county public library.
Full Disclosure
Reflecting on 2023
Get ready for an eyeful of holiday sweater… Alayna and Jim sit down with Dave Spektor to reflect on 2023 and look forward to 2024.
Loan Estimate Challenges
West Virginia’s Biggest LE Challenges
West Virginia has a few unique features with regard to its real estate closing fees. Recording fees are consistently priced statewide in West Virginia.
Loan Estimate Challenges
Alabama’s Biggest LE Challenges
There are very few wrinkles for loan officers to consider when it comes to closing fees deep in the heart of Dixie.