Homebuyers in Orange County County who chose Ulster Savings Bank paid $3,882 less in closing costs than the county median.
County Median Costs
$7,272
+13.6% vs New York ($6,400)
Median Rate
6.620%
+2.0% vs national (6.490%)
Median Origination
$2,360
Purchase Originations
2,529
Denial Rate
9.4%
vs New York avg (8.5%)
vs New York Median
13.6% above
$872
vs National Median
8.9% above
$592
39 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,390 | 6.375% | $1,600 | 25 | −$3,294 | |
| 2 | $3,484 | 6.500% | $0 | 21 | −$3,200 | |
| 3 | $3,887 | 6.500% | $0 | 15 | −$2,797 | |
| 4 | $3,903 | 6.125% | $0 | 15 | −$2,781 | |
| 5 | $4,197 | 6.375% | $1,060 | 99 | −$2,487 | |
| 6 | $4,199 | 5.750% | $1,014 | 29 | −$2,485 | |
| 7 | $4,593 | 6.500% | $1,195 | 130 | −$2,091 | |
| 8 | $5,173 | 6.375% | $1,899 | 11 | −$1,511 | |
| 9 | $5,213 | 6.375% | $350 | 20 | −$1,471 | |
| 10 | $5,237 | 6.375% | $1,879 | 25 | −$1,447 | |
| 11 | $5,278 | 6.750% | $1,590 | 32 | −$1,406 | |
| 12 | $5,281 | 6.875% | $1,790 | 27 | −$1,403 | |
| 13 | $5,283 | 6.625% | $1,710 | 11 | −$1,401 | |
| 14 | $5,393 | 6.490% | $1,782 | 90 | −$1,291 | |
| 15 | $5,986 | 6.740% | $1,959 | 177 | −$698 | |
| 16 | $6,109 | 6.625% | $1,640 | 43 | −$575 | |
| 17 | $6,191 | 6.575% | $1,907 | 47 | −$493 | |
| 18 | $6,622 | 6.625% | $2,818 | 62 | −$62 | |
| 19 | $6,704 | 6.312% | $2,073 | 18 | +$20 | |
| 20 | $6,841 | 6.625% | $2,781 | 70 | +$157 | |
| 21 | $7,068 | 6.750% | $2,396 | 76 | +$384 | |
| 22 | $7,097 | 6.562% | $2,479 | 24 | +$413 | |
| 23 | $7,468 | 6.490% | $1,592 | 12 | +$784 | |
| 24 | $7,743 | 7.000% | $2,045 | 51 | +$1,059 | |
| 25 | $7,872 | 6.875% | $2,943 | 176 | +$1,188 |
Includes lenders with 10+ purchase originations in Orange 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.