Homebuyers in Columbia County County who chose TrustCo Bank paid $2,326 less in closing costs than the county median.
County Median Costs
$5,407
−15.5% vs New York ($6,400)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$1,500
Purchase Originations
360
Denial Rate
12.5%
vs New York avg (8.5%)
vs New York Median
15.5% below
$-993
vs National Median
19.1% below
$-1,273
7 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,081 | 6.250% | $1,694 | 11 | −$2,018 | |
| 2 | $4,489 | 6.062% | $1,242 | 12 | −$610 | |
| 3 | $4,652 | 6.125% | $299 | 11 | −$447 | |
| 4 | $4,755 | 6.500% | $1,195 | 83 | −$344 | |
| 5 | $4,950 | 6.750% | $1,640 | 24 | −$149 | |
| 6 | $5,228 | 6.500% | $1,926 | 14 | +$129 | |
| 7 | $5,650 | 6.500% | $3,350 | 16 | +$550 |
Includes lenders with 10+ purchase originations in Columbia 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.