Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$4,382
median across reports
vs. National Average
32%
below national avg
Avg Origination Charge
$1,285
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $7,923 | $3,585 | 🔺 High |
| Origination Fee | $1,285 | $3,743 | 🟢 Below Avg |
| lender_credits | $338 | $1,150 | 🟢 Below Avg |
Got a Loan Estimate from National Cooperative Bank, N.A.? See if your rate and fees are competitive.
Check My Loan Estimate — $19Pennymac
Mortgage Company · CA
Guild Mortgage
Mortgage Company · CA
Navy Federal Credit Union
Credit Union · VA
Wells Fargo Bank, N.A.
Bank · CA
Based on 408 homebuyer-submitted Closing Disclosures, National Cooperative Bank, N.A.'s median total closing costs are $4,382. This is about 32% 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 National Cooperative Bank, N.A.?
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 National Cooperative Bank, N.A. with another lender
See how closing costs compare side-by-side
Aggregates from National Cooperative Bank, N.A.'s 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
328
Median Total Costs
$4,453
−33.3% vs national ($6,680)
Median Rate
6.625%
+2.1% vs national (6.490%)
Median Origination
$1,400
Median Lender Credits
$140
Denial Rate
5.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 328 | 6.625% | $4,453 | $1,400 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 105 | 6.625% | $6,542 | #194 |
| New York | 92 | 6.750% | $4,347 | #126 |
| Michigan | 49 | 6.875% | $4,265 | — |
| District of Columbia | 26 | 6.500% | $3,537 | — |
| Maryland | 20 | 6.500% | $3,299 | — |
| Washington | 19 | 6.625% | $5,200 | — |
| New Jersey | 5 |
| This lender | California median | National median | |
|---|---|---|---|
| Total Closing Costs | $6,542 | $9,309 | $6,680 |
| Interest Rate | 6.625% | 6.380% | 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 | National Cooperative Bank, N.A. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $265,000 | $335,000 | −$70,000 (−20.9%) |
| Median total closing costs | $4,453 | $7,127 | −$2,674 (−37.5%) |
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.
| 6.500% |
| $4,366 |
| — |
| Illinois | 3 | 6.625% | $4,675 | — |
| Massachusetts | 3 | 6.500% | $4,276 | — |
| Ohio | 2 | 6.375% | $3,478 | — |
| Virginia | 2 | 6.750% | $3,204 | — |
| Florida | 1 | 6.375% | $6,261 | — |
| Minnesota | 1 | 6.875% | $3,503 | — |