FairPriceCheck

Lowest closing cost mortgage lenders in Essex County County, Massachusetts

In Essex County, Massachusetts, homebuyers paid a median of $5,498 in closing costs in 2024 — near the Massachusetts median of $5,459. The county saw 5,269 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, FIRST TECHNOLOGY offered the lowest median costs at $3,536, which is $1,625 less than the county median.

Homebuyers in Essex County County who chose FIRST TECHNOLOGY paid $1,962 less in closing costs than the county median.

County Median Costs

$5,498

+0.7% vs Massachusetts ($5,459)

Median Rate

6.620%

+0.0% vs national (6.620%)

Median Origination

$1,640

Purchase Originations

5,269

vs Massachusetts Median

0.7% above

$39

vs National Median

18.4% below

$-1,243

Lender rankings in Essex County County

72 lenders with 10+ originations, ranked by median total loan costs.

RankLenderMedian Total Costs ↑Median Rate ↕Median Origination ↕Volume ↕vs. Median
1$3,5366.875%$69515−$1,625
2$3,5906.125%$019−$1,571
3$3,7496.375%$900177−$1,412
4$3,7716.125%$65038−$1,390
5$3,8256.625%$1,02513−$1,336
6$3,8946.625%$1,09029−$1,268
7$3,9156.375%$25014−$1,246
8$3,9416.500%$69918−$1,220
9$4,0556.438%$99534−$1,106
10$4,3366.625%$97511−$825
11$4,3486.500%$67013−$813
12$4,4226.375%$1,34555−$739
13$4,5116.625%$99526−$650
14$4,5456.112%$81526−$616
15$4,6226.558%$1,39416−$539
16$4,6646.500%$1,09721−$498
17$4,6736.500%$95022−$488
18$4,6796.438%$99526−$482
19$4,6886.625%$1,164290−$473
20$4,7116.375%$1,35051−$450
21$4,8116.500%$1,399302−$350
22$4,8176.990%$1,39041−$344
23$4,8296.750%$1,59025−$332
24$4,8536.625%$1,58259−$308
25$4,8926.438%$1,10914−$269
26$4,9027.125%$1,67413−$259
27$4,9066.500%$1,45039−$256
28$4,9606.625%$1,44588−$200
29$4,9617.125%$1,24812−$200
30$4,9736.375%$99527−$188
31$4,9866.490%$1,59519−$175
32$4,9876.875%$1,79012−$174
33$4,9926.375%$1,45830−$169
34$4,9946.875%$1,60898−$167
35$5,0546.990%$1,24527−$107
36$5,0786.875%$1,89028−$83
37$5,0896.375%$1,30038−$72
38$5,1406.625%$1,595162−$21
39$5,2046.990%$1,29923+$43
40$5,2286.990%$1,59967+$67
41$5,2366.990%$1,49557+$76
42$5,2546.625%$1,640384+$93
43$5,2606.995%$1,45812+$99
44$5,3836.375%$1,06037+$222
45$5,4056.750%$1,770107+$244
46$5,4376.875%$1,52921+$276
47$5,4416.500%$1,84816+$280
48$5,4576.625%$1,722111+$296
49$5,5346.500%$4,065121+$373
50$5,5776.688%$1,60522+$416
51$5,5946.562%$1,59522+$433
52$5,6386.625%$1,76851+$477
53$5,7296.625%$1,93616+$568
54$5,7546.875%$1,690436+$592
55$5,9196.438%$99510+$758
56$5,9706.500%$2,08620+$809
57$6,4236.990%$3,41717+$1,262
58$6,5786.625%$1,19547+$1,417
59$6,8786.990%$3,25663+$1,717
60$6,8966.375%$1,71728+$1,736
61$7,0626.938%$3,11214+$1,901
62$7,1696.500%$3,45967+$2,008
63$7,3786.990%$3,971199+$2,217
64$7,7396.990%$3,88677+$2,578
65$8,0806.625%$4,75734+$2,919
66$9,6316.875%$6,04015+$4,470
67$9,6606.990%$6,70311+$4,499
68$10,3756.625%$7,14013+$5,214
69$11,0766.875%$7,69011+$5,915
70$16,2898.750%$12,99513+$11,128
71$18,4179.375%$15,35522+$13,256

Includes lenders with 10+ purchase originations in Essex County County. Source: HMDA 2024. Sorted by median total loan costs.

View detailed closing cost breakdowns and user reviews for lenders in Massachusetts → Lender Directory

Found your lender? Make sure their quote is fair.

HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.

Audit my Closing DisclosureCheck my Loan Estimate
Getting a quote from one of these lenders? Upload your Loan Estimate to verify their fees → Fair Loan Check

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.