Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$4,612
median across reports
vs. National Average
50%
above national avg
Avg Origination Charge
$1,567
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $2,034 | $2,205 | 🟡 Average |
| Origination Fee | $1,567 | $1,671 | 🟡 Average |
| lender_credits | $791 | $449 | 🔺 High |
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Check My Loan Estimate — $19Based on 503 homebuyer-submitted Closing Disclosures, SmartBank's median total closing costs are $4,612. This is about 50% above the $3,071 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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Federal data snapshot (2025)
In 2025, SmartBank originated 354 purchase loans with median closing costs of $5,171.
See 2025 HMDA market data for SmartBank →Popular Refinance Pages
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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.