Homebuyers in Albany County County who chose Community Bank, National Association paid $4,782 less in closing costs than the county median.
County Median Costs
$4,782
−25.3% vs New York ($6,400)
Median Rate
6.380%
−1.7% vs national (6.490%)
Median Origination
$1,450
Purchase Originations
2,109
Denial Rate
5.5%
vs New York avg (8.5%)
vs New York Median
25.3% below
$-1,618
vs National Median
28.4% below
$-1,898
24 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 7.125% | $0 | 19 | −$4,549 | |
| 2 | $3,442 | 6.375% | $1,694 | 145 | −$1,107 | |
| 3 | $3,621 | 6.125% | $750 | 11 | −$928 | |
| 4 | $3,870 | 5.875% | $299 | 31 | −$679 | |
| 5 | $3,979 | 6.125% | $1,891 | 30 | −$570 | |
| 6 | $4,033 | 6.000% | $978 | 509 | −$516 | |
| 7 | $4,188 | 6.438% | $1,450 | 56 | −$361 | |
| 8 | $4,498 | 6.490% | $1,195 | 350 | −$51 | |
| 9 | $4,502 | 6.375% | $595 | 19 | −$47 | |
| 10 | $4,789 | 6.500% | $1,295 | 39 | +$240 | |
| 11 | $4,790 | 6.500% | $1,550 | 40 | +$241 | |
| 12 | $4,996 | 6.438% | $2,339 | 26 | +$447 | |
| 13 | $5,167 | 6.750% | $1,450 | 65 | +$618 | |
| 14 | $5,187 | 5.625% | $1,000 | 18 | +$638 | |
| 15 | $5,238 | 6.750% | $1,595 | 12 | +$688 | |
| 16 | $5,436 | 6.375% | $1,625 | 26 | +$887 | |
| 17 | $5,785 | 6.250% | $2,388 | 16 | +$1,236 | |
| 18 | $6,776 | 6.490% | $3,195 | 23 | +$2,227 | |
| 19 | $7,314 | 6.500% | $4,578 | 26 | +$2,765 | |
| 20 | $8,988 | 6.374% | $5,865 | 126 | +$4,439 | |
| 21 | $9,056 | 6.625% | $6,632 | 19 | +$4,507 | |
| 22 | $9,234 | 6.624% | $5,661 | 15 | +$4,685 |
Includes lenders with 10+ purchase originations in Albany County County. Source: HMDA 2025. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in New York → Lender Directory
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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.