Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$2,356
median across reports
vs. National Average
30%
below national avg
Avg Origination Charge
$782
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $782 | $1,553 | 🟢 Below Avg |
| discount_points | $542 | $2,425 | 🟢 Below Avg |
| lender_credits | $127 | $443 | 🟢 Below Avg |
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Based on 350 homebuyer-submitted Closing Disclosures, CBI Bank & Trust's median total closing costs are $2,356. This is about 30% below 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.
Are Closing Costs Negotiable?
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What Are Junk Fees on a Mortgage?
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How to Read Your Closing Disclosure
Page-by-page walkthrough of the 5-page form.
Average Closing Costs by State
Benchmark your costs against the state average.
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Aggregates from CBI Bank & Trust's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
185
Median Total Costs
$2,523
−62.2% vs national ($6,680)
Median Rate
6.750%
+4.0% vs national (6.490%)
Median Origination
$835
Median Lender Credits
$40
Denial Rate
6.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 185 | 6.750% | $2,523 | $835 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Illinois | 105 | 6.875% | $2,408 | #146 |
| Iowa | 67 | 6.500% | $2,646 | #72 |
| Wisconsin | 7 | 6.750% | $2,785 | — |
| Michigan | 2 | 6.312% | $3,676 | — |
| Louisiana | 1 | 6.875% | $3,718 | — |
| South Carolina | 1 | 6.500% | $3,419 | — |
| South Dakota | 1 |
| This lender | Illinois median | National median | |
|---|---|---|---|
| Total Closing Costs | $2,408 | $6,250 | $6,680 |
| Interest Rate | 6.875% | 6.620% | 6.490% |
| Originations in state | 105 | — | — |
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 | CBI Bank & Trust | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $155,000 | $335,000 | −$180,000 (−53.7%) |
| Median total closing costs | $2,523 | $7,127 | −$4,604 (−64.6%) |
Popular Refinance Pages
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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.
| 6.000% |
| $3,230 |
| — |
| Tennessee | 1 | 7.000% | $3,148 | — |