What are the average closing costs in Cortland County County?

In Cortland County County, the median total loan costs on purchase mortgages were $4,062 in 2024, based on 258 originations.

Which lender has the lowest closing costs in Cortland County County?

Among lenders with 10+ originations in Cortland County County, Community Bank, National Association had the lowest median total closing costs at $0 in 2024.

How do closing costs in Cortland County County compare to New York?

Cortland County County closing costs (median $4,062) are 36.9% below the New York state median of $6,440.

Lowest closing cost mortgage lenders in Cortland County County, New York

In Cortland County, New York, homebuyers paid a median of $4,062 in closing costs in 2024 — below the New York median of $6,440. The county saw 258 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, Community Bank, National Association offered the lowest median costs at $0, which is $3,651 less than the county median.

Homebuyers in Cortland County County who chose Community Bank, National Association paid $4,062 less in closing costs than the county median.

County Median Costs

$4,062

−36.9% vs New York ($6,440)

Median Rate

6.620%

+0.0% vs national (6.620%)

Median Origination

$1,319

Purchase Originations

258

vs New York Median

36.9% below

$-2,378

vs National Median

39.7% below

$-2,679

Lender rankings in Cortland County County

6 lenders with 10+ originations, ranked by median total loan costs.

Rank	Lender	Median Total Costs ↑	Median Rate ↕	Median Origination ↕	Volume ↕	vs. Median
1	Community Bank, National Association	$0	7.375%	$0	12	−$3,651
2	BEGINNINGS CREDIT UNION	$0	5.812%	$0	26	−$3,651
3	Tompkins Community Bank	$3,247	6.625%	$745	36	−$404
4	NBT Bank, National Association	$3,268	6.375%	$750	15	−$383
5	Manufacturers and Traders Trust Company	$4,733	6.750%	$1,980	13	+$1,082
6	EVERETT FINANCIAL, INC.	$6,061	6.500%	$3,100	28	+$2,410

Includes lenders with 10+ purchase originations in Cortland County County. Source: HMDA 2024. 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 2024, 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.