Homebuyers in Chemung County County who chose Community Bank, National Association paid $4,795 less in closing costs than the county median.
County Median Costs
$4,795
−25.1% vs New York ($6,400)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$1,500
Purchase Originations
618
Denial Rate
10.2%
vs New York avg (8.5%)
vs New York Median
25.1% below
$-1,605
vs National Median
28.2% below
$-1,885
12 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 7.250% | $0 | 21 | −$4,084 | |
| 2 | $2,875 | 6.500% | $595 | 25 | −$1,209 | |
| 3 | $3,272 | 6.250% | $400 | 64 | −$812 | |
| 4 | $3,594 | 6.625% | $820 | 12 | −$490 | |
| 5 | $4,337 | 6.250% | $978 | 62 | +$253 | |
| 6 | $4,430 | 6.500% | $1,811 | 65 | +$346 | |
| 7 | $4,586 | 6.500% | $1,895 | 23 | +$502 | |
| 8 | $4,894 | 7.250% | $1,420 | 13 | +$810 | |
| 9 | $5,714 | 6.875% | $2,082 | 27 | +$1,630 |
Includes lenders with 10+ purchase originations in Chemung 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
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
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.