Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$3,573
median across reports
vs. National Average
44%
below national avg
Avg Origination Charge
$1,168
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $1,168 | $3,743 | 🟢 Below Avg |
| discount_points | $899 | $3,585 | 🟢 Below Avg |
| lender_credits | $469 | $1,150 | 🟢 Below Avg |
Got a Loan Estimate from First Citizens National Bank? See if your rate and fees are competitive.
Check My Loan Estimate — $19Based on 329 homebuyer-submitted Closing Disclosures, First Citizens National Bank's median total closing costs are $3,573. This is about 44% 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?
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 Citizens National 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 Citizens National Bank with another lender
See how closing costs compare side-by-side
Popular Refinance Pages
FairPriceCheck
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.