Homebuyers in Schenectady County County who chose Community Bank, National Association paid $4,733 less in closing costs than the county median.
County Median Costs
$4,733
−26.1% vs New York ($6,400)
Median Rate
6.380%
−1.7% vs national (6.490%)
Median Origination
$1,450
Purchase Originations
1,347
Denial Rate
6.6%
vs New York avg (8.5%)
vs New York Median
26.1% below
$-1,667
vs National Median
29.1% below
$-1,947
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 | 7.500% | $0 | 11 | −$4,381 | |
| 2 | $3,031 | 6.375% | $1,694 | 104 | −$1,350 | |
| 3 | $3,452 | 6.625% | $595 | 14 | −$929 | |
| 4 | $3,766 | 6.250% | $399 | 15 | −$615 | |
| 5 | $3,802 | 6.000% | $790 | 210 | −$579 | |
| 6 | $3,807 | 6.375% | $1,450 | 58 | −$574 | |
| 7 | $4,363 | 6.490% | $1,195 | 182 | −$18 | |
| 8 | $4,591 | 6.500% | $1,665 | 20 | +$210 | |
| 9 | $4,641 | 6.500% | $1,295 | 19 | +$260 | |
| 10 | $4,689 | 6.500% | $1,328 | 29 | +$308 | |
| 11 | $4,721 | 6.624% | $1,450 | 46 | +$340 | |
| 12 | $5,047 | 6.375% | $1,500 | 13 | +$666 | |
| 13 | $5,077 | 5.375% | $1,000 | 18 | +$696 | |
| 14 | $5,159 | 6.750% | $2,116 | 24 | +$778 | |
| 15 | $7,470 | 6.375% | $4,317 | 116 | +$3,089 | |
| 16 | $7,850 | 6.500% | $4,517 | 12 | +$3,469 | |
| 17 | $8,490 | 6.500% | $4,672 | 12 | +$4,109 | |
| 18 | $10,019 | 6.624% | $5,913 | 15 | +$5,638 |
Includes lenders with 10+ purchase originations in Schenectady 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.