Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$3,341
median across reports
vs. National Average
At
national avg
Avg Origination Charge
$1,376
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $1,376 | $1,553 | 🟢 Below Avg |
| lender_credits | $1,209 | $443 | 🔺 High |
| discount_points | $465 | $2,425 | 🟢 Below Avg |
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Based on 218 homebuyer-submitted Closing Disclosures, The Equitable Bank, S.S.B.'s median total closing costs are $3,341. This is roughly in line with 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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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 The Equitable Bank, S.S.B. with another lender
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Aggregates from The Equitable Bank, S.S.B.'s 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
154
Median Total Costs
$3,616
−45.9% vs national ($6,680)
Median Rate
6.375%
−1.8% vs national (6.490%)
Median Origination
$1,331
Median Lender Credits
$922
Denial Rate
4.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 146 | 6.375% | $3,607 | $1,331 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Wisconsin | 154 | 6.375% | $3,616 | #70 |
| This lender | Wisconsin median | National median | |
|---|---|---|---|
| Total Closing Costs | $3,616 | $3,436 | $6,680 |
| Interest Rate | 6.375% | 6.500% | 6.490% |
| Originations in state | 154 | — | — |
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 Equitable Bank, S.S.B. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $330,000 | $335,000 | −$5,000 (−1.5%) |
| Median total closing costs | $3,616 | $7,127 | −$3,511 (−49.3%) |
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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.