Homebuyers in Erie County County who chose Community Bank, National Association paid $5,191 less in closing costs than the county median.
County Median Costs
$5,191
−18.9% vs New York ($6,400)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$1,850
Purchase Originations
6,917
Denial Rate
6.2%
vs New York avg (8.5%)
vs New York Median
18.9% below
$-1,209
vs National Median
22.3% below
$-1,489
47 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 | 86 | −$4,855 | |
| 2 | $2,099 | 6.250% | $874 | 146 | −$2,756 | |
| 3 | $2,974 | 6.375% | $675 | 21 | −$1,881 | |
| 4 | $3,318 | 6.375% | $790 | 45 | −$1,537 | |
| 5 | $3,768 | 6.375% | $975 | 75 | −$1,087 | |
| 6 | $3,823 | 6.375% | $910 | 32 | −$1,032 | |
| 7 | $3,830 | 6.500% | $1,225 | 35 | −$1,025 | |
| 8 | $3,909 | 6.500% | $0 | 19 | −$946 | |
| 9 | $3,976 | 6.562% | $1,407 | 116 | −$879 | |
| 10 | $4,004 | 6.457% | $1,191 | 10 | −$851 | |
| 11 | $4,185 | 6.688% | $1,245 | 10 | −$670 | |
| 12 | $4,210 | 6.500% | $1,200 | 124 | −$645 | |
| 13 | $4,267 | 6.625% | $1,450 | 834 | −$588 | |
| 14 | $4,330 | 6.750% | $1,779 | 10 | −$525 | |
| 15 | $4,380 | 6.500% | $1,092 | 18 | −$475 | |
| 16 | $4,396 | 6.625% | $845 | 13 | −$459 | |
| 17 | $4,419 | 6.375% | $1,543 | 289 | −$436 | |
| 18 | $4,424 | 6.625% | $1,865 | 309 | −$431 | |
| 19 | $4,478 | 6.625% | $840 | 11 | −$377 | |
| 20 | $4,594 | 6.375% | $1,506 | 639 | −$261 | |
| 21 | $4,818 | 6.500% | $1,597 | 62 | −$37 | |
| 22 | $4,842 | 6.375% | $1,090 | 14 | −$13 | |
| 23 | $4,866 | 6.600% | $250 | 17 | +$11 | |
| 24 | $4,973 | 6.500% | $1,295 | 141 | +$118 | |
| 25 | $4,996 | 5.950% | $285 | 12 | +$140 |
Includes lenders with 10+ purchase originations in Erie 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.