Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$3,169
median across reports
vs. National Average
51%
below national avg
Avg Origination Charge
$3,614
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $3,710 | $3,585 | 🟡 Average |
| Origination Fee | $3,614 | $3,743 | 🟡 Average |
| lender_credits | $726 | $1,150 | 🟢 Below Avg |
Got a Loan Estimate from Ulster Savings Bank? See if your rate and fees are competitive.
Check My Loan Estimate — $19Based on 455 homebuyer-submitted Closing Disclosures, Ulster Savings Bank's median total closing costs are $3,169. This is about 51% below 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.
Are Closing Costs Negotiable?
Which fees you can push back on and how to do it.
What Are Junk Fees on a Mortgage?
Spot the charges that pad lender profits.
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.
Got a Loan Estimate from Ulster Savings Bank?
Upload your Loan Estimate and Fair Loan Check flags inflated fees, benchmarks your rate, and gives you a ready-to-send negotiation email — in about 60 seconds.
Compare Ulster Savings Bank with another lender
See how closing costs compare side-by-side
Aggregates from Ulster Savings Bank's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
227
Median Total Costs
$4,063
−39.2% vs national ($6,680)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$2,158
Median Lender Credits
$750
Denial Rate
4.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 226 | 6.500% | $4,060 | $2,221 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 227 | 6.500% | $4,063 | #79 |
| This lender | New York median | National median | |
|---|---|---|---|
| Total Closing Costs | $4,063 | $6,400 | $6,680 |
| Interest Rate | 6.500% | 6.500% | 6.490% |
| Originations in state | 227 | — | — |
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 | Ulster Savings Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $335,000 | $335,000 | +$0 (+0.0%) |
| Median total closing costs | $4,063 | $7,127 | −$3,064 (−43.0%) |
Popular Refinance Pages
FairPriceCheck
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.