What are the average closing costs in Oswego County County?

In Oswego County County, the median total loan costs on purchase mortgages were $4,633 in 2024, based on 649 originations.

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

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

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

Oswego County County closing costs (median $4,633) are 28.1% below the New York state median of $6,440.

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

In Oswego County, New York, homebuyers paid a median of $4,633 in closing costs in 2024 — below the New York median of $6,440. The county saw 649 purchase mortgages at a median rate of 6.75%. Among lenders with 10+ originations, Community Bank, National Association offered the lowest median costs at $0, which is $4,135 less than the county median.

Homebuyers in Oswego County County who chose Community Bank, National Association paid $4,633 less in closing costs than the county median.

County Median Costs

$4,633

−28.1% vs New York ($6,440)

Median Rate

6.750%

+2.0% vs national (6.620%)

Median Origination

$1,495

Purchase Originations

649

vs New York Median

28.1% below

$-1,807

vs National Median

31.3% below

$-2,108

Lender rankings in Oswego County County

15 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	40	−$4,135
2	Empower Federal Credit Union	$2,698	6.500%	$123	112	−$1,437
3	SEFCU SERVICES, LLC	$3,830	5.938%	$1,366	20	−$305
4	NBT Bank, National Association	$3,934	6.062%	$1,009	12	−$201
5	HOMESTEAD FUNDING CORP.	$4,065	6.625%	$1,331	29	−$70
6	Geddes Federal Savings and Loan Association	$4,236	6.375%	$1,580	10	+$101
7	AMERICU Credit Union	$4,478	6.140%	$1,445	19	+$343
8	EVERETT FINANCIAL, INC.	$4,777	6.625%	$1,790	30	+$642
9	Genesee Regional Bank	$4,792	6.625%	$1,450	21	+$657
10	MOVEMENT MORTGAGE, LLC	$5,350	6.812%	$2,533	26	+$1,215
11	HUNT MORTGAGE CORPORATION	$5,557	6.750%	$3,602	11	+$1,422
12	ROCKET MORTGAGE, LLC	$6,512	6.990%	$3,036	24	+$2,377
13	UNITED WHOLESALE MORTGAGE, LLC	$7,435	6.500%	$4,327	10	+$3,300

Includes lenders with 10+ purchase originations in Oswego 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

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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.