What are the average closing costs in Tioga County County?

In Tioga County County, the median total loan costs on purchase mortgages were $4,424 in 2024, based on 283 originations.

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

Among lenders with 10+ originations in Tioga County County, Community Bank, National Association had the lowest median total closing costs at $13 in 2024.

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

Tioga County County closing costs (median $4,424) are 31.3% below the New York state median of $6,440.

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

In Tioga County, New York, homebuyers paid a median of $4,424 in closing costs in 2024 — below the New York median of $6,440. The county saw 283 purchase mortgages at a median rate of 6.75%. Among lenders with 10+ originations, Community Bank, National Association offered the lowest median costs at $13, which is $3,758 less than the county median.

Homebuyers in Tioga County County who chose Community Bank, National Association paid $4,411 less in closing costs than the county median.

County Median Costs

$4,424

−31.3% vs New York ($6,440)

Median Rate

6.750%

+2.0% vs national (6.620%)

Median Origination

$1,385

Purchase Originations

283

vs New York Median

31.3% below

$-2,016

vs National Median

34.4% below

$-2,317

Lender rankings in Tioga County County

8 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	$13	7.312%	$0	22	−$3,758
2	Tompkins Community Bank	$3,296	6.438%	$745	12	−$475
3	HOMESTEAD FUNDING CORP.	$3,375	6.500%	$995	34	−$396
4	PREMIUM MORTGAGE CORPORATION	$3,480	6.625%	$1,400	10	−$292
5	Visions Federal Credit Union	$3,856	6.625%	$777	13	+$85
6	1ST PRIORITY MORTGAGE, INC.	$4,475	6.750%	$1,973	13	+$704
7	ROCKET MORTGAGE, LLC	$5,485	6.875%	$2,639	12	+$1,714
8	CITIZENS & NORTHERN BANK	$5,730	7.062%	$2,287	16	+$1,959

Includes lenders with 10+ purchase originations in Tioga 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.