What are the average closing costs in Oneida County County?

In Oneida County County, the median total loan costs on purchase mortgages were $4,473 in 2024, based on 1,311 originations.

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

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

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

Oneida County County closing costs (median $4,473) are 30.5% below the New York state median of $6,440.

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

In Oneida County, New York, homebuyers paid a median of $4,473 in closing costs in 2024 — below the New York median of $6,440. The county saw 1,311 purchase mortgages at a median rate of 6.50%. Among lenders with 10+ originations, Community Bank, National Association offered the lowest median costs at $0, which is $4,057 less than the county median.

Homebuyers in Oneida County County who chose Community Bank, National Association paid $4,473 less in closing costs than the county median.

County Median Costs

$4,473

−30.5% vs New York ($6,440)

Median Rate

6.500%

−1.8% vs national (6.620%)

Median Origination

$1,461

Purchase Originations

1,311

vs New York Median

30.5% below

$-1,967

vs National Median

33.6% below

$-2,268

Lender rankings in Oneida County County

21 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	7.500%	$0	93	−$4,057
2	Empower Federal Credit Union	$2,907	6.500%	$673	14	−$1,150
3	SEFCU SERVICES, LLC	$3,529	6.375%	$1,002	55	−$528
4	Adirondack Bank	$3,530	6.500%	$675	107	−$527
5	G.P.O. Federal Credit Union	$3,584	6.125%	$840	25	−$472
6	FIRST SOURCE	$3,650	6.375%	$790	44	−$408
7	NBT Bank, National Association	$3,836	6.125%	$1,225	37	−$221
8	AMERICU Credit Union	$3,861	6.250%	$1,445	84	−$196
9	HOMESTEAD FUNDING CORP.	$3,876	6.500%	$1,264	76	−$181
10	Berkshire Bank	$4,000	6.375%	$1,418	11	−$58
11	Manufacturers and Traders Trust Company	$4,135	6.500%	$1,689	32	+$78
12	PREMIUM MORTGAGE CORPORATION	$4,360	6.562%	$1,400	36	+$303
13	KeyBank National Association	$4,418	6.250%	$1,863	33	+$361
14	Geddes Federal Savings and Loan Association	$4,596	5.875%	$1,590	24	+$539
15	Farm Credit East, ACA	$4,624	6.775%	$1,500	12	+$567
16	MOVEMENT MORTGAGE, LLC	$5,199	6.875%	$2,082	25	+$1,142
17	ROCKET MORTGAGE, LLC	$6,089	6.990%	$3,314	36	+$2,032
18	HUNT MORTGAGE CORPORATION	$6,674	7.000%	$4,314	25	+$2,617
19	UNITED WHOLESALE MORTGAGE, LLC	$7,549	6.875%	$4,988	15	+$3,492
20	PLAZA HOME MORTGAGE, INC.	$7,911	6.625%	$4,998	44	+$3,854

Includes lenders with 10+ purchase originations in Oneida 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

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.

Audit my Closing Disclosure Check my Loan Estimate

Getting a quote from one of these lenders? Upload your Loan Estimate to verify their fees → Fair Loan Check

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.