BNY Mellon, National Association closing costs and rates (2024)
In 2024, BNY Mellon, National Association originated 183 purchase mortgages at a median interest rate of 6.25% and median total closing costs of $6,538. That is $203 below the national median of $6,741. BNY Mellon, National Association is most active in New York with 21 originations there.
Purchase Originations
183
Median Total Costs
$6,538
−3.0% vs national ($6,741)
Median Rate
6.250%
−5.6% vs national (6.620%)
Median Origination
$975
Median Lender Credits
$62
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 183 | 6.250% | $6,538 | $975 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 21 | 6.375% | $5,881 | — |
| Florida | 19 | 6.250% | $9,250 | — |
| California | 18 | 6.375% | $7,965 | — |
| Massachusetts | 18 | 6.188% | $5,440 | — |
| Pennsylvania | 14 | 6.250% | $7,389 | — |
| Colorado | 11 | 6.000% | $3,939 | — |
| Georgia | 10 | 6.312% | $6,437 | — |
| Texas | 10 | 6.312% | $9,067 | — |
| Illinois | 9 | 6.750% | $6,194 | — |
| New Jersey | 8 | 6.562% | $6,880 | — |
| Virginia | 6 | 6.312% | $5,258 | — |
| Maryland | 5 | 6.125% | $6,118 | — |
| North Carolina | 5 | 6.125% | $6,166 | — |
| Arizona | 4 | 6.688% | $7,198 | — |
| Tennessee | 4 | 6.312% | $6,876 | — |
| South Carolina | 3 | 6.500% | $5,733 | — |
| Utah | 3 | 6.500% | $4,294 | — |
| Idaho | 2 | 5.750% | $5,432 | — |
| Michigan | 2 | 6.438% | $6,747 | — |
| New Hampshire | 2 | 6.125% | $4,984 | — |
| Washington | 2 | 5.938% | $6,380 | — |
| District of Columbia | 1 | 5.625% | $10,642 | — |
| Maine | 1 | 6.000% | $8,769 | — |
| New Mexico | 1 | 6.750% | $5,283 | — |
| Oregon | 1 | 5.750% | $7,801 | — |
| Rhode Island | 1 | 5.250% | $14,046 | — |
| Wisconsin | 1 | 6.000% | $5,569 | — |
| West Virginia | 1 | 6.625% | $4,476 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,730 | 6.500% | — | 8 | −$1,808 | |
| 2 | $4,931 | 6.125% | — | 3 | −$1,607 | |
| 3 | $5,404 | 5.812% | — | 4 | −$1,134 | |
| 4 | $6,040 | 6.375% | — | 2 | −$498 | |
| 5 | $6,094 | 6.500% | — | 3 | −$444 | |
| 6 | $6,122 | 6.375% | — | 5 | −$416 | |
| 7 | $6,160 | 6.250% | — | 5 | −$378 | |
| 8 | $6,249 | 6.125% | — | 5 | −$289 | |
| 9 | $6,660 | 6.750% | — | 3 | +$122 | |
| 10 | $6,779 | 6.625% | — | 6 | +$241 | |
| 11 | $6,858 | 6.250% | — | 3 | +$320 | |
| 12 | $6,931 | 6.250% | — | 4 | +$393 | |
| 13 | $6,968 | 6.375% | — | 5 | +$430 | |
| 14 | $8,577 | 6.125% | — | 4 | +$2,039 | |
| 15 | $8,738 | 5.875% | — | 3 | +$2,200 | |
| 16 | $9,797 | 6.250% | — | 3 | +$3,259 | |
| 17 | $10,405 | 6.438% | — | 4 | +$3,867 | |
| 18 | $10,428 | 6.375% | — | 4 | +$3,890 | |
| 19 | $10,645 | 6.500% | — | 3 | +$4,107 | |
| 20 | $13,871 | 6.500% | — | 3 | +$7,333 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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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.