Homebuyers in Otsego County County who chose Community Bank, National Association paid $4,444 less in closing costs than the county median.
County Median Costs
$4,444
−30.6% vs New York ($6,400)
Median Rate
6.620%
+2.0% vs national (6.490%)
Median Origination
$1,195
Purchase Originations
302
Denial Rate
12.2%
vs New York avg (8.5%)
vs New York Median
30.6% below
$-1,956
vs National Median
33.5% below
$-2,236
6 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 7.188% | $0 | 60 | −$3,966 | |
| 2 | $3,392 | 6.312% | $790 | 10 | −$574 | |
| 3 | $3,470 | 6.125% | $750 | 19 | −$496 | |
| 4 | $3,759 | 6.625% | $1,195 | 11 | −$207 | |
| 5 | $3,840 | 6.625% | $299 | 32 | −$126 | |
| 6 | $8,267 | 6.750% | $5,359 | 14 | +$4,301 |
Includes lenders with 10+ purchase originations in Otsego 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.