Grade B · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$6,690
median across reports
vs. National Average
4%
above national avg
Avg Origination Charge
$2,976
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $3,030 | $3,585 | 🟢 Below Avg |
| Origination Fee | $2,976 | $3,743 | 🟢 Below Avg |
| lender_credits | $501 | $1,150 | 🟢 Below Avg |
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Based on 459 homebuyer-submitted Closing Disclosures, The First National Bank of Middle Tennessee's median total closing costs are $6,690. This is about 4% 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
Benchmark your costs against the state average.
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Aggregates from The First National Bank of Middle Tennessee's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
368
Median Total Costs
$7,735
+15.8% vs national ($6,680)
Median Rate
6.375%
−1.8% vs national (6.490%)
Median Origination
$2,463
Median Lender Credits
$99
Denial Rate
10.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 178 | 6.625% | $5,156 | $2,169 |
| fha | 139 | 6.250% | $10,528 | $2,820 |
| usda | 27 | 6.125% | $6,992 | $1,540 |
| va | 24 | 6.250% | $7,590 | $2,625 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Tennessee | 350 | 6.375% | $7,799 | #49 |
| Kentucky | 8 | 6.188% | $9,190 | — |
| Georgia | 3 | 6.125% | $6,242 | — |
| Arkansas | 2 | 6.750% | $2,407 | — |
| South Carolina | 2 | 5.812% | $8,904 | — |
| Indiana | 1 | 5.875% | $5,043 | — |
| Mississippi | 1 |
| This lender | Tennessee median | National median | |
|---|---|---|---|
| Total Closing Costs | $7,799 | $6,683 | $6,680 |
| Interest Rate | 6.375% | 6.490% | 6.490% |
| Originations in state | 350 | — | — |
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 First National Bank of Middle Tennessee | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $7,735 | $7,127 | +$608 (+8.5%) |
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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.
| 6.950% |
| $3,136 |
| — |
| Texas | 1 | 6.125% | $12,664 | — |