Homebuyers in Oneida County County who chose Community Bank, National Association paid $4,576 less in closing costs than the county median.
County Median Costs
$4,576
−28.5% vs New York ($6,400)
Median Rate
6.380%
−1.7% vs national (6.490%)
Median Origination
$1,450
Purchase Originations
1,417
Denial Rate
12.1%
vs New York avg (8.5%)
vs New York Median
28.5% below
$-1,824
vs National Median
31.5% below
$-2,104
24 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 7.250% | $0 | 83 | −$4,207 | |
| 2 | $2,192 | 6.625% | $0 | 15 | −$2,015 | |
| 3 | $3,347 | 6.500% | $123 | 13 | −$860 | |
| 4 | $3,404 | 6.188% | $790 | 26 | −$803 | |
| 5 | $3,568 | 6.125% | $840 | 58 | −$639 | |
| 6 | $3,593 | 6.375% | $790 | 62 | −$614 | |
| 7 | $3,654 | 6.000% | $750 | 43 | −$553 | |
| 8 | $3,687 | 6.000% | $299 | 29 | −$520 | |
| 9 | $3,744 | 6.500% | $675 | 82 | −$463 | |
| 10 | $4,190 | 6.490% | $1,382 | 71 | −$16 | |
| 11 | $4,194 | 6.624% | $1,450 | 57 | −$13 | |
| 12 | $4,320 | 6.250% | $1,445 | 143 | +$113 | |
| 13 | $4,470 | 6.250% | $1,615 | 37 | +$263 | |
| 14 | $4,589 | 6.875% | $1,500 | 10 | +$382 | |
| 15 | $4,665 | 6.438% | $1,824 | 32 | +$458 | |
| 16 | $5,082 | 5.875% | $1,935 | 27 | +$875 | |
| 17 | $5,496 | 6.562% | $2,156 | 29 | +$1,289 | |
| 18 | $5,607 | 6.688% | $2,147 | 10 | +$1,400 | |
| 19 | $5,613 | 6.625% | $3,751 | 28 | +$1,406 | |
| 20 | $6,305 | 6.537% | $3,355 | 18 | +$2,098 | |
| 21 | $7,028 | 6.875% | $3,932 | 36 | +$2,821 | |
| 22 | $7,236 | 6.500% | $4,675 | 23 | +$3,029 |
Includes lenders with 10+ purchase originations in Oneida 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.