Homebuyers in Jefferson County County who chose Community Bank, National Association paid $3,543 less in closing costs than the county median.
County Median Costs
$5,698
−11.0% vs New York ($6,400)
Median Rate
6.380%
−1.7% vs national (6.490%)
Median Origination
$1,415
Purchase Originations
896
Denial Rate
9.9%
vs New York avg (8.5%)
vs New York Median
11.0% below
$-702
vs National Median
14.7% below
$-982
17 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,155 | 6.875% | $900 | 37 | −$1,980 | |
| 2 | $2,723 | 6.250% | $0 | 64 | −$1,412 | |
| 3 | $3,595 | 7.000% | $1,000 | 15 | −$540 | |
| 4 | $4,054 | 6.250% | $1,445 | 22 | −$81 | |
| 5 | $4,285 | 6.375% | $1,290 | 54 | +$150 | |
| 6 | $5,179 | 6.562% | $2,440 | 56 | +$1,044 | |
| 7 | $5,226 | 6.375% | $2,367 | 11 | +$1,091 | |
| 8 | $5,389 | 6.750% | $1,811 | 14 | +$1,254 |
Includes lenders with 10+ purchase originations in Jefferson 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
Found your lender? Make sure their quote is fair.
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.