Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$0
median across reports
vs. National Average
100%
below national avg
Avg Origination Charge
$1,906
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $3,726 | $3,585 | 🟡 Average |
| Origination Fee | $1,906 | $3,743 | 🟢 Below Avg |
| lender_credits | $140 | $1,150 | 🟢 Below Avg |
Got a Loan Estimate from Community Bank, National Association? See if your rate and fees are competitive.
Check My Loan Estimate — $19Based on 3,400 homebuyer-submitted Closing Disclosures, Community Bank, National Association's median total closing costs are $0. This is about 100% 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.
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
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Compare Community Bank, National Association with another lender
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Aggregates from Community Bank, National Association's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
1,881
Ranked #233 nationally
Median Total Costs
$0
−100.0% vs national ($6,680)
Median Rate
7.250%
+11.7% vs national (6.490%)
Median Origination
$0
Median Lender Credits
$3
Cost Rank (500+ vol.)
#4
among lenders with 500+ originations
Denial Rate
11.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,869 | 7.250% | $0 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 1,604 | 7.250% | $0 | #12 |
| Pennsylvania | 168 | 7.375% | $35 | #117 |
| Vermont | 89 | 6.875% | $3,458 | #12 |
| Massachusetts | 18 | 7.000% | $1,469 | — |
| New Hampshire | 2 | 6.312% | $3,706 | — |
| This lender | New York median | National median | |
|---|---|---|---|
| Total Closing Costs | $0 | $6,400 | $6,680 |
| Interest Rate | 7.250% | 6.500% | 6.490% |
| Originations in state | 1,604 | — | — |
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 | Community Bank, National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $185,000 | $335,000 | −$150,000 (−44.8%) |
| Median total closing costs | $0 | $7,127 | −$7,127 (−100.0%) |
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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.