Homebuyers in Cortland County County who chose BEGINNINGS CREDIT UNION paid $4,211 less in closing costs than the county median.
County Median Costs
$4,211
−34.2% vs New York ($6,400)
Median Rate
6.610%
+1.9% vs national (6.490%)
Median Origination
$1,437
Purchase Originations
253
Denial Rate
10.2%
vs New York avg (8.5%)
vs New York Median
34.2% below
$-2,189
vs National Median
37.0% below
$-2,469
4 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 6.000% | $0 | 33 | −$3,824 | |
| 2 | $3,288 | 6.625% | $708 | 42 | −$536 | |
| 3 | $3,761 | 6.125% | $975 | 13 | −$63 | |
| 4 | $6,143 | 6.562% | $2,910 | 28 | +$2,319 |
Includes lenders with 10+ purchase originations in Cortland 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.