Homebuyers in Rensselaer County County who chose TrustCo Bank paid $1,126 less in closing costs than the county median.
County Median Costs
$4,789
−25.2% vs New York ($6,400)
Median Rate
6.380%
−1.7% vs national (6.490%)
Median Origination
$1,332
Purchase Originations
1,150
Denial Rate
5.9%
vs New York avg (8.5%)
vs New York Median
25.2% below
$-1,611
vs National Median
28.3% below
$-1,891
18 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,663 | 6.375% | $1,694 | 59 | −$821 | |
| 2 | $3,750 | 6.000% | $299 | 13 | −$734 | |
| 3 | $3,775 | 6.875% | $900 | 11 | −$709 | |
| 4 | $3,944 | 6.000% | $790 | 256 | −$540 | |
| 5 | $4,392 | 6.250% | $1,450 | 33 | −$92 | |
| 6 | $4,433 | 6.490% | $1,195 | 187 | −$51 | |
| 7 | $4,592 | 6.500% | $1,525 | 23 | +$108 | |
| 8 | $4,801 | 6.500% | $1,595 | 19 | +$317 | |
| 9 | $5,101 | 6.562% | $1,450 | 38 | +$617 | |
| 10 | $5,118 | 6.562% | $1,865 | 12 | +$634 | |
| 11 | $5,147 | 6.438% | $1,690 | 10 | +$663 | |
| 12 | $5,280 | 6.625% | $1,557 | 21 | +$796 | |
| 13 | $5,778 | 6.562% | $3,126 | 18 | +$1,294 | |
| 14 | $5,942 | 6.558% | $2,533 | 16 | +$1,458 | |
| 15 | $6,262 | 6.750% | $2,585 | 12 | +$1,778 | |
| 16 | $6,546 | 6.438% | $1,845 | 12 | +$2,062 | |
| 17 | $8,741 | 6.408% | $5,910 | 64 | +$4,257 |
Includes lenders with 10+ purchase originations in Rensselaer 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.