Homebuyers in Essex County County who chose NAVY FEDERAL CREDIT UNION paid $2,315 less in closing costs than the county median.
County Median Costs
$5,574
+0.6% vs Massachusetts ($5,543)
Median Rate
6.490%
+0.0% vs national (6.490%)
Median Origination
$1,640
Purchase Originations
5,349
Denial Rate
4.8%
vs Massachusetts avg (4.9%)
vs Massachusetts Median
0.6% above
$31
vs National Median
16.6% below
$-1,106
69 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,259 | 6.125% | $0 | 10 | −$2,034 | |
| 2 | $3,378 | 6.375% | $695 | 15 | −$1,915 | |
| 3 | $3,920 | 5.990% | $699 | 24 | −$1,374 | |
| 4 | $3,940 | 6.500% | $1,090 | 28 | −$1,353 | |
| 5 | $4,150 | 6.500% | $1,250 | 25 | −$1,143 | |
| 6 | $4,239 | 5.875% | $999 | 15 | −$1,054 | |
| 7 | $4,264 | 6.125% | $899 | 69 | −$1,029 | |
| 8 | $4,282 | 6.125% | $1,295 | 45 | −$1,011 | |
| 9 | $4,337 | 6.000% | $670 | 14 | −$956 | |
| 10 | $4,452 | 5.990% | $1,195 | 24 | −$841 | |
| 11 | $4,542 | 6.375% | $1,317 | 56 | −$751 | |
| 12 | $4,570 | 6.250% | $1,200 | 223 | −$723 | |
| 13 | $4,635 | 6.490% | $1,595 | 13 | −$658 | |
| 14 | $4,638 | 6.375% | $1,295 | 292 | −$655 | |
| 15 | $4,681 | 6.250% | $950 | 16 | −$612 | |
| 16 | $4,693 | 6.438% | $1,300 | 22 | −$600 | |
| 17 | $4,709 | 5.990% | $1,345 | 45 | −$584 | |
| 18 | $4,824 | 6.625% | $1,495 | 21 | −$470 | |
| 19 | $4,859 | 6.490% | $1,674 | 15 | −$434 | |
| 20 | $4,943 | 6.312% | $1,125 | 30 | −$350 | |
| 21 | $4,956 | 6.375% | $1,499 | 368 | −$337 | |
| 22 | $5,000 | 5.975% | $815 | 28 | −$293 | |
| 23 | $5,005 | 6.250% | $1,450 | 40 | −$288 | |
| 24 | $5,007 | 5.625% | $1,474 | 29 | −$286 | |
| 25 | $5,094 | 6.558% | $1,890 | 26 | −$199 |
Includes lenders with 10+ purchase originations in Essex County County. Source: HMDA 2025. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Massachusetts → 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.