What are the average closing costs in Delaware County County?

In Delaware County County, the median total loan costs on purchase mortgages were $4,751 in 2024, based on 166 originations.

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

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

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

Delaware County County closing costs (median $4,751) are 26.2% below the New York state median of $6,440.

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

In Delaware County, New York, homebuyers paid a median of $4,751 in closing costs in 2024 — below the New York median of $6,440. The county saw 166 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, Community Bank, National Association offered the lowest median costs at $0, which is $4,463 less than the county median.

Homebuyers in Delaware County County who chose Community Bank, National Association paid $4,751 less in closing costs than the county median.

County Median Costs

$4,751

−26.2% vs New York ($6,440)

Median Rate

6.620%

+0.0% vs national (6.620%)

Median Origination

$1,478

Purchase Originations

166

vs New York Median

26.2% below

$-1,689

vs National Median

29.5% below

$-1,990

Lender rankings in Delaware 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	7.375%	$0	25	−$4,463
2	NBT Bank, National Association	$3,692	5.875%	$1,159	11	−$771
3	HOMESTEAD FUNDING CORP.	$3,984	6.500%	$995	17	−$479
4	Wayne Bank	$4,760	6.375%	$1,150	15	+$297
5	ROCKET MORTGAGE, LLC	$5,859	7.058%	$3,432	12	+$1,396

Includes lenders with 10+ purchase originations in Delaware 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.