Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$4,186
median across reports
vs. National Average
25%
above national avg
Avg Origination Charge
$1,232
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $1,819 | $2,425 | 🟢 Below Avg |
| lender_credits | $1,705 | $443 | 🔺 High |
| Origination Fee | $1,232 | $1,553 | 🟢 Below Avg |
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Based on 610 homebuyer-submitted Closing Disclosures, Provident Bank's median total closing costs are $4,186. This is about 25% above 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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What Are Junk Fees on a Mortgage?
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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.
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Compare Provident Bank with another lender
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Aggregates from Provident Bank's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
308
Median Total Costs
$5,330
−20.2% vs national ($6,680)
Median Rate
6.000%
−7.5% vs national (6.490%)
Median Origination
$790
Median Lender Credits
$295
Denial Rate
6.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 298 | 6.000% | $5,288 | $790 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New Jersey | 284 | 6.000% | $5,306 | #52 |
| Pennsylvania | 12 | 6.688% | $5,290 | — |
| New York | 10 | 6.250% | $6,141 | — |
| Florida | 2 | 5.875% | $3,560 | — |
| This lender | New Jersey median | National median | |
|---|---|---|---|
| Total Closing Costs | $5,306 | $7,473 | $6,680 |
| Interest Rate | 6.000% | 6.500% | 6.490% |
| Originations in state | 284 | — | — |
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 | Provident Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $465,000 | $335,000 | +$130,000 (+38.8%) |
| Median total closing costs | $5,330 | $7,127 | −$1,797 (−25.2%) |
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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.