Grade F · 31% of disclosures flagged for junk fees
Bank · Missouri · NMLS #400175
Avg Closing Costs
$17,981
median across reports
vs. National Average
432%
above national avg
Avg Origination Charge
$8,514
Section A lender fee
Reports with Junk Fees
31%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $8,514 | $1,584 | 🔺 High |
| Title Insurance | $3,346 | $3,111 | 🟡 Average |
| Underwriting Fee | $1,573 | $1,473 | 🟡 Average |
| Appraisal | $1,121 | $1,081 | 🟡 Average |
| Settlement/Closing Fee | $1,038 | $986 | 🟡 Average |
| Processing Fee | $830 | $790 | 🟡 Average |
| Title Search | $412 | $392 | 🟡 Average |
| Rate Lock Fee | $365 | $376 | 🟡 Average |
| Recording Fee | $362 | $344 | 🟡 Average |
| Document Preparation | $169 | $147 | 🔴 Above Avg |
| Tax Service Fee | $136 | $128 | 🟡 Average |
| Wire Transfer Fee | $73 | $69 | 🟡 Average |
| Credit Report | $72 | $69 | 🟡 Average |
| Courier/Delivery | $62 | $58 | 🟡 Average |
| Flood Certification | $25 | $23 | 🟡 Average |
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Based on 48 homebuyer-submitted Closing Disclosures, North American Savings Bank's median total closing costs are $17,981. This is about 432% above the $3,383 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.
Closing Costs in Missouri
State-specific benchmarks for Missouri.
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Aggregates from North American Savings Bank, F.S.B.'s 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
400
Median Total Costs
$9,082
+36.0% vs national ($6,680)
Median Rate
6.625%
+2.1% vs national (6.490%)
Median Origination
$2,130
Median Lender Credits
$85
Denial Rate
5.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 263 | 7.000% | $9,653 | $7,120 |
| va | 109 | 5.990% | $7,893 | $0 |
| fha | 28 | 6.188% | $9,230 | $1,495 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Missouri | 50 | 6.624% | $3,703 | #146 |
| Virginia | 49 | 6.124% | $10,511 | — |
| Texas | 28 | 6.625% | $7,078 | — |
| Alaska | 26 | 5.875% | $10,352 | — |
| Florida | 25 | 6.750% | $7,828 | — |
| North Carolina | 17 | 6.750% | $11,257 | — |
| Michigan | 14 | 6.995% | $10,806 | — |
| South Carolina | 14 | 6.745% | $8,909 | — |
| Ohio | 12 | 7.000% | $12,578 | — |
| Kansas | 11 | 6.625% | $6,875 | — |
| Washington | 10 | 6.562% | $9,470 | — |
| Arizona | 9 | 7.000% | $4,757 | — |
| California | 8 | 6.812% | $16,459 | — |
| Georgia | 8 | 6.500% | $8,232 | — |
| Pennsylvania | 8 | 7.312% | $9,204 | — |
| Alabama | 7 | 7.500% | $17,060 | — |
| Tennessee | 7 | 6.250% | $9,479 | — |
| Colorado | 6 | 6.938% | $8,674 | — |
| Illinois | 6 | 7.370% | $9,593 | — |
| Kentucky | 6 | 6.625% | $7,352 | — |
| New Jersey | 6 | 6.938% | $21,408 | — |
| Wisconsin | 6 | 6.750% | $8,204 | — |
| Massachusetts | 5 | 7.500% | $17,589 | — |
| Maryland | 5 | 6.625% | $2,256 | — |
| Minnesota | 5 | 7.000% | $16,027 | — |
| Mississippi | 5 | 7.375% | $12,161 | — |
| Arkansas | 4 | 7.625% | $8,197 | — |
| Idaho | 4 | 6.688% | $8,165 | — |
| Indiana | 4 | 7.000% | $10,725 | — |
| Utah | 4 | 6.750% | $4,909 | — |
| Hawaii | 3 | 6.250% | $8,489 | — |
| Montana | 3 | 6.500% | $16,552 | — |
| Louisiana | 2 | 7.188% | $10,412 | — |
| Maine | 2 | 6.750% | $21,447 | — |
| Nebraska | 2 | 7.938% | $3,737 | — |
| New Hampshire | 2 | 7.562% | $16,767 | — |
| Nevada | 2 | 6.812% | $6,974 | — |
| Oklahoma | 2 | 7.312% | $9,369 | — |
| Oregon | 2 | 8.062% | $7,291 | — |
| Rhode Island | 2 | 6.875% | $31,065 | — |
| Vermont | 2 | 6.875% | $7,789 | — |
| Connecticut | 1 | 6.250% | $15,708 | — |
| District of Columbia | 1 | 7.250% | $20,049 | — |
| Delaware | 1 | 6.500% | $13,354 | — |
| Iowa | 1 | 8.750% | $7,874 | — |
| New York | 1 | 5.625% | $18,003 | — |
| West Virginia | 1 | 6.990% | $685 | — |
| Wyoming | 1 | 7.750% | $18,627 | — |
| This lender | Missouri median | National median | |
|---|---|---|---|
| Total Closing Costs | $3,703 | $4,275 | $6,680 |
| Interest Rate | 6.624% | 6.620% | 6.490% |
| Originations in state | 50 | — | — |
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 | North American Savings Bank, F.S.B. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $395,000 | $335,000 | +$60,000 (+17.9%) |
| Median total closing costs | $9,082 | $7,127 | +$1,955 (+27.4%) |