Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$4,078
median across reports
vs. National Average
37%
below national avg
Avg Origination Charge
$2,234
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $5,279 | $3,585 | 🔴 Above Avg |
| Origination Fee | $2,234 | $3,743 | 🟢 Below Avg |
| lender_credits | $484 | $1,150 | 🟢 Below Avg |
Got a Loan Estimate from Androscoggin Savings Bank? See if your rate and fees are competitive.
Check My Loan Estimate — $19Based on 334 homebuyer-submitted Closing Disclosures, Androscoggin Savings Bank's median total closing costs are $4,078. This is about 37% 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
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Aggregates from Androscoggin Savings Bank's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
259
Median Total Costs
$4,148
−37.9% vs national ($6,680)
Median Rate
6.625%
+2.1% vs national (6.490%)
Median Origination
$1,100
Median Lender Credits
$247
Denial Rate
2.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 249 | 6.625% | $4,091 | $1,100 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Maine | 257 | 6.625% | $4,152 | #12 |
| New Hampshire | 2 | 6.812% | $3,112 | — |
| This lender | Maine median | National median | |
|---|---|---|---|
| Total Closing Costs | $4,152 | $4,736 | $6,680 |
| Interest Rate | 6.625% | 6.620% | 6.490% |
| Originations in state | 257 | — | — |
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 | Androscoggin Savings Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $405,000 | $335,000 | +$70,000 (+20.9%) |
| Median total closing costs | $4,148 | $7,127 | −$2,979 (−41.8%) |
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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.