What are the average closing costs in Schoharie County County?

In Schoharie County County, the median total loan costs on purchase mortgages were $4,298 in 2024, based on 215 originations.

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

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

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

Schoharie County County closing costs (median $4,298) are 33.3% below the New York state median of $6,440.

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

In Schoharie County, New York, homebuyers paid a median of $4,298 in closing costs in 2024 — below the New York median of $6,440. The county saw 215 purchase mortgages at a median rate of 6.50%. Among lenders with 10+ originations, Community Bank, National Association offered the lowest median costs at $0, which is $3,824 less than the county median.

Homebuyers in Schoharie County County who chose Community Bank, National Association paid $4,298 less in closing costs than the county median.

County Median Costs

$4,298

−33.3% vs New York ($6,440)

Median Rate

6.500%

−1.8% vs national (6.620%)

Median Origination

$1,287

Purchase Originations

215

vs New York Median

33.3% below

$-2,142

vs National Median

36.2% below

$-2,443

Lender rankings in Schoharie County County

5 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	7.562%	$0	16	−$3,824
2	Bank of Richmondville	$1,826	6.375%	$200	11	−$1,998
3	SEFCU SERVICES, LLC	$3,438	6.125%	$1,114	15	−$386
4	HOMESTEAD FUNDING CORP.	$3,994	6.375%	$1,258	33	+$170
5	ROCKET MORTGAGE, LLC	$5,979	6.500%	$3,680	11	+$2,155

Includes lenders with 10+ purchase originations in Schoharie 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.