Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$3,723
median across reports
vs. National Average
11%
above national avg
Avg Origination Charge
$1,673
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $1,673 | $1,553 | 🟡 Average |
| discount_points | $1,403 | $2,425 | 🟢 Below Avg |
| lender_credits | $398 | $443 | 🟢 Below Avg |
Got a Loan Estimate from Charter West Bank? See if your rate and fees are competitive.
Check My Loan Estimate — $19Based on 1,763 homebuyer-submitted Closing Disclosures, Charter West Bank's median total closing costs are $3,723. This is about 11% 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
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 Charter West Bank's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
1,548
Ranked #278 nationally
Median Total Costs
$3,832
−42.6% vs national ($6,680)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$1,526
Median Lender Credits
$50
Cost Rank (500+ vol.)
#94
among lenders with 500+ originations
Denial Rate
6.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 894 | 6.625% | $3,195 | $1,363 |
| fha | 497 | 6.250% | $7,637 | $1,714 |
| va | 130 | 6.250% | $3,636 | $1,195 |
| usda | 27 | 6.000% | $5,365 | $1,714 |
| This lender | Nebraska median | National median | |
|---|---|---|---|
| Total Closing Costs | $3,777 | $3,509 | $6,680 |
| Interest Rate | 6.500% | 6.500% | 6.490% |
| Originations in state | 1,347 | — | — |
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 | Charter West Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $235,000 | $335,000 | −$100,000 (−29.9%) |
| Median total closing costs | $3,832 | $7,127 | −$3,295 (−46.2%) |
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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.
| 6.245% |
| $3,922 |
| — |
| Colorado | 1 | 6.000% | $9,240 | — |
| Connecticut | 1 | 6.625% | $6,342 | — |
| Missouri | 1 | 6.125% | $3,609 | — |
| Texas | 1 | 7.125% | $5,766 | — |