Homebuyers in Oswego County County who chose Community Bank, National Association paid $4,701 less in closing costs than the county median.
County Median Costs
$4,701
−26.6% vs New York ($6,400)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$1,523
Purchase Originations
721
Denial Rate
13.9%
vs New York avg (8.5%)
vs New York Median
26.6% below
$-1,699
vs National Median
29.6% below
$-1,979
20 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 7.625% | $0 | 41 | −$4,336 | |
| 2 | $3,128 | 6.500% | $673 | 104 | −$1,208 | |
| 3 | $3,306 | 6.375% | $790 | 19 | −$1,030 | |
| 4 | $3,500 | 6.125% | $299 | 15 | −$836 | |
| 5 | $3,949 | 6.188% | $1,470 | 16 | −$387 | |
| 6 | $4,044 | 5.990% | $1,445 | 21 | −$292 | |
| 7 | $4,095 | 6.625% | $1,266 | 33 | −$241 | |
| 8 | $4,138 | 6.750% | $1,800 | 11 | −$198 | |
| 9 | $4,165 | 6.375% | $1,290 | 25 | −$171 | |
| 10 | $4,434 | 6.375% | $1,419 | 11 | +$98 | |
| 11 | $4,448 | 6.875% | $1,977 | 20 | +$112 | |
| 12 | $4,813 | 6.625% | $1,728 | 22 | +$477 | |
| 13 | $4,984 | 6.625% | $2,123 | 27 | +$648 | |
| 14 | $5,470 | 6.875% | $2,381 | 32 | +$1,134 | |
| 15 | $6,150 | 6.562% | $3,764 | 16 | +$1,814 | |
| 16 | $7,273 | 9.100% | $4,500 | 13 | +$2,937 | |
| 17 | $8,469 | 5.999% | $5,341 | 17 | +$4,133 |
Includes lenders with 10+ purchase originations in Oswego 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.