Grade C · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$7,524
median across reports
vs. National Average
17%
above national avg
Avg Origination Charge
$4,243
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $4,243 | $3,743 | 🔴 Above Avg |
| discount_points | $2,507 | $3,585 | 🟢 Below Avg |
| lender_credits | $446 | $1,150 | 🟢 Below Avg |
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Based on 313 homebuyer-submitted Closing Disclosures, Queensborough National Bank & Trust Company's median total closing costs are $7,524. This is about 17% above 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.
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Average Closing Costs by State
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Aggregates from Queensborough National Bank & Trust Company's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
267
Median Total Costs
$7,656
+14.6% vs national ($6,680)
Median Rate
6.125%
−5.6% vs national (6.490%)
Median Origination
$3,683
Median Lender Credits
$47
Denial Rate
4.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 184 | 6.375% | $7,241 | $4,181 |
| va | 51 | 5.875% | $9,076 | $3,039 |
| fha | 24 | 6.058% | $9,680 | $3,024 |
| This lender | Georgia median | National median | |
|---|---|---|---|
| Total Closing Costs | $7,586 | $8,007 | $6,680 |
| Interest Rate | 6.125% | 6.380% | 6.490% |
| Originations in state | 211 | — | — |
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 | Queensborough National Bank & Trust Company | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $305,000 | $335,000 | −$30,000 (−9.0%) |
| Median total closing costs | $7,656 | $7,127 | +$529 (+7.4%) |
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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.