Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$1,776
median across reports
vs. National Average
47%
below national avg
Avg Origination Charge
$152
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $541 | $2,425 | 🟢 Below Avg |
| Origination Fee | $152 | $1,553 | 🟢 Below Avg |
| lender_credits | $95 | $443 | 🟢 Below Avg |
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Based on 433 homebuyer-submitted Closing Disclosures, National Exchange Bank and Trust's median total closing costs are $1,776. This is about 47% below 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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Average Closing Costs by State
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Aggregates from National Exchange Bank and Trust's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
256
Median Total Costs
$2,271
−66.0% vs national ($6,680)
Median Rate
5.750%
−11.4% vs national (6.490%)
Median Origination
$31
Median Lender Credits
$29
Denial Rate
10.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 256 | 5.750% | $2,271 | $31 |
| This lender | Wisconsin median | National median | |
|---|---|---|---|
| Total Closing Costs | $2,266 | $3,436 | $6,680 |
| Interest Rate | 5.750% | 6.500% | 6.490% |
| Originations in state | 252 | — | — |
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 Exchange Bank and Trust | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $235,000 | $335,000 | −$100,000 (−29.9%) |
| Median total closing costs | $2,271 | $7,127 | −$4,856 (−68.1%) |
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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.