Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$3,051
median across reports
vs. National Average
9%
below national avg
Avg Origination Charge
$612
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| lender_credits | $1,379 | $443 | 🔺 High |
| discount_points | $780 | $2,425 | 🟢 Below Avg |
| Origination Fee | $612 | $1,553 | 🟢 Below Avg |
Got a Loan Estimate from The Citizens National Bank of Bluffton? See if your rate and fees are competitive.
Check My Loan Estimate — $19Based on 179 homebuyer-submitted Closing Disclosures, The Citizens National Bank of Bluffton's median total closing costs are $3,051. This is about 9% 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 The Citizens National Bank of Bluffton's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
125
Median Total Costs
$3,074
−54.0% vs national ($6,680)
Median Rate
6.625%
+2.1% vs national (6.490%)
Median Origination
$436
Median Lender Credits
$1,109
Denial Rate
7.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 106 | 6.750% | $2,943 | $436 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Ohio | 119 | 6.625% | $3,055 | #121 |
| Indiana | 3 | 6.500% | $2,470 | — |
| Georgia | 1 | 6.875% | $6,070 | — |
| Kentucky | 1 | 6.490% | $9,334 | — |
| South Carolina | 1 | 7.625% | $4,135 | — |
| This lender | Ohio median | National median | |
|---|---|---|---|
| Total Closing Costs | $3,055 | $5,240 | $6,680 |
| Interest Rate | 6.625% | 6.620% | 6.490% |
| Originations in state | 119 | — | — |
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 | The Citizens National Bank of Bluffton | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $185,000 | $335,000 | −$150,000 (−44.8%) |
| Median total closing costs | $3,074 | $7,127 | −$4,053 (−56.9%) |
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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.