Homebuyers in Herkimer County County who chose Adirondack Bank paid $1,296 less in closing costs than the county median.
County Median Costs
$4,754
−25.7% vs New York ($6,400)
Median Rate
6.380%
−1.7% vs national (6.490%)
Median Origination
$1,427
Purchase Originations
348
Denial Rate
13.1%
vs New York avg (8.5%)
vs New York Median
25.7% below
$-1,646
vs National Median
28.8% below
$-1,926
9 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,458 | 6.625% | $675 | 19 | −$558 | |
| 2 | $3,608 | 6.500% | $959 | 19 | −$408 | |
| 3 | $3,643 | 5.938% | $840 | 20 | −$373 | |
| 4 | $4,136 | 6.490% | $1,360 | 19 | +$120 | |
| 5 | $4,416 | 6.188% | $1,526 | 22 | +$400 | |
| 6 | $4,523 | 6.250% | $1,560 | 13 | +$507 | |
| 7 | $7,651 | 5.812% | $4,822 | 12 | +$3,635 |
Includes lenders with 10+ purchase originations in Herkimer 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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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.