Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$1,258
median across reports
vs. National Average
80%
below national avg
Avg Origination Charge
$1,113
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $1,113 | $3,743 | 🟢 Below Avg |
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Based on 261 homebuyer-submitted Closing Disclosures, 1st Summit Bank's median total closing costs are $1,258. This is about 80% below the $6,435 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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How to Read Your Closing Disclosure
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Average Closing Costs by State
Benchmark your costs against the state average.
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Aggregates from 1st Summit Bank's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
117
Median Total Costs
$3,075
−54.0% vs national ($6,680)
Median Rate
6.490%
+0.0% vs national (6.490%)
Median Origination
$465
Median Lender Credits
—
Denial Rate
9.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 117 | 6.490% | $3,075 | $465 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 112 | 6.490% | $3,018 | #151 |
| Maryland | 3 | 6.740% | $3,285 | — |
| Ohio | 1 | 6.740% | $3,190 | — |
| Rhode Island | 1 | 6.490% | $4,395 | — |
| This lender | Pennsylvania median | National median | |
|---|---|---|---|
| Total Closing Costs | $3,018 | $6,500 | $6,680 |
| Interest Rate | 6.490% | 6.500% | 6.490% |
| Originations in state | 112 | — | — |
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 | 1st Summit Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $185,000 | $335,000 | −$150,000 (−44.8%) |
| Median total closing costs | $3,075 | $7,127 | −$4,052 (−56.9%) |
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This content is for informational purposes only and does not constitute legal, financial, or tax advice. Consult a licensed professional for advice specific to your situation.