0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$4,057
median across reports
vs. National Average
27%
above national avg
Avg Origination Charge
$1,689
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| lender_credits | $1,800 | $401 | 🔺 High |
| Origination Fee | $1,689 | $1,786 | 🟡 Average |
| discount_points | $864 | $2,054 | 🟢 Below Avg |
Are Closing Costs Negotiable?
Which fees you can push back on and how to do it.
What Are Junk Fees on a Mortgage?
Spot the charges that pad lender profits.
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.
Got a Loan Estimate from First Central State Bank?
Upload your Loan Estimate and Fair Loan Check flags inflated fees, benchmarks your rate, and gives you a ready-to-send negotiation email — in about 60 seconds.
Compare First Central State Bank with another lender
See how closing costs compare side-by-side