Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$4,094
median across reports
vs. National Average
22%
above national avg
Avg Origination Charge
$2,540
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $2,540 | $1,553 | 🔺 High |
| discount_points | $1,510 | $2,425 | 🟢 Below Avg |
| lender_credits | $760 | $443 | 🔺 High |
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Check My Loan Estimate — $19Based on 239 homebuyer-submitted Closing Disclosures, Amalgamated Bank's median total closing costs are $4,094. This is about 22% above the $3,356 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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What Are Junk Fees on a Mortgage?
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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 Amalgamated Bank's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
214
Median Total Costs
$4,095
−38.7% vs national ($6,680)
Median Rate
6.250%
−3.7% vs national (6.490%)
Median Origination
$1,995
Median Lender Credits
$494
Denial Rate
2.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 214 | 6.250% | $4,095 | $1,995 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 185 | 6.250% | $4,068 | #92 |
| California | 7 | 6.490% | $4,852 | — |
| New Jersey | 7 | 6.250% | $6,144 | — |
| Massachusetts | 2 | 6.120% | $6,913 | — |
| Colorado | 1 | 6.125% | $3,332 | — |
| Connecticut | 1 | 6.490% | $5,344 | — |
| District of Columbia | 1 |
| This lender | New York median | National median | |
|---|---|---|---|
| Total Closing Costs | $4,068 | $6,400 | $6,680 |
| Interest Rate | 6.250% | 6.500% | 6.490% |
| Originations in state | 185 | — | — |
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 | Amalgamated Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $275,000 | $335,000 | −$60,000 (−17.9%) |
| Median total closing costs | $4,095 | $7,127 | −$3,032 (−42.5%) |
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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.
| 6.375% |
| $3,510 |
| — |
| Florida | 1 | 5.875% | $31,079 | — |
| Georgia | 1 | 6.375% | $4,001 | — |
| Indiana | 1 | 6.125% | $5,359 | — |
| Maryland | 1 | 6.490% | $4,294 | — |
| Ohio | 1 | 6.490% | $3,869 | — |
| Oregon | 1 | 6.250% | $3,639 | — |
| Pennsylvania | 1 | 5.625% | $3,862 | — |
| Texas | 1 | 6.990% | $4,962 | — |
| Washington | 1 | 6.125% | $3,458 | — |
| Wisconsin | 1 | 5.375% | $7,184 | — |