Purchase Originations
120
Median Total Costs
$3,765
−43.6% vs national ($6,680)
↑ $253 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$675
Median Lender Credits
$500
Denial Rate
7.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 120 | 6.500% | $3,765 | $675 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 120 | 6.500% | $3,765 | #113 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,147 | 5.625% | — | 1 | −$1,618 | |
| 2 | $3,197 | 6.875% | — | 1 | −$568 | |
| 3 | $3,198 | 6.438% | — | 2 | −$567 | |
| 4 | $3,458 | 6.625% | — | 19 | −$307 | |
| 5 | $3,584 | 6.750% | — | 1 | −$181 | |
| 6 | $3,744 | 6.500% | — | 82 | −$21 | |
| 7 | $3,763 | 6.500% | — | 1 | −$2 | |
| 8 | $4,105 | 6.562% | — | 4 | +$340 | |
| 9 | $4,687 | 6.375% | — | 4 | +$922 | |
| 10 | $4,741 | 6.125% | — | 1 | +$976 | |
| 11 | $5,570 | 6.125% | — | 1 | +$1,805 | |
| 12 | $5,982 | 6.375% | — | 1 | +$2,217 | |
| 13 | $9,273 | 6.312% | — | 2 | +$5,508 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Adirondack Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $195,000 | $335,000 | −$140,000 (−41.8%) |
| Median total closing costs | $3,765 | $7,127 | −$3,362 (−47.2%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.