Lowest closing cost mortgage lenders in Dutchess County County, New York
In Dutchess County, New York, homebuyers paid a median of $6,366 in closing costs in 2024 — near the New York median of $6,440. The county saw 1,928 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, TEG Federal Credit Union offered the lowest median costs at $3,186, which is $2,553 less than the county median.
Homebuyers in Dutchess County County who chose TEG Federal Credit Union paid $3,180 less in closing costs than the county median.
County Median Costs
$6,366
−1.1% vs New York ($6,440)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$2,247
Purchase Originations
1,928
vs New York Median
1.1% below
$-74
vs National Median
5.6% below
$-375
Lender rankings in Dutchess County County
35 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,186 | 6.750% | $0 | 75 | −$2,553 | |
| 2 | $3,793 | 6.375% | $1,109 | 155 | −$1,946 | |
| 3 | $3,981 | 6.500% | $550 | 17 | −$1,758 | |
| 4 | $4,424 | 6.625% | $995 | 104 | −$1,315 | |
| 5 | $4,503 | 6.500% | $1,672 | 39 | −$1,236 | |
| 6 | $4,582 | 6.625% | $0 | 14 | −$1,157 | |
| 7 | $4,615 | 6.625% | $1,746 | 18 | −$1,124 | |
| 8 | $4,626 | 6.375% | $1,295 | 21 | −$1,113 | |
| 9 | $4,640 | 6.625% | $3,062 | 29 | −$1,099 | |
| 10 | $4,699 | 6.750% | $950 | 12 | −$1,040 | |
| 11 | $4,796 | 6.250% | $1,316 | 13 | −$943 | |
| 12 | $5,020 | 6.438% | $1,340 | 16 | −$719 | |
| 13 | $5,059 | 6.500% | $350 | 32 | −$680 | |
| 14 | $5,156 | 6.750% | $1,782 | 102 | −$583 | |
| 15 | $5,163 | 6.875% | $1,395 | 19 | −$576 | |
| 16 | $5,220 | 6.688% | $1,640 | 14 | −$519 | |
| 17 | $5,335 | 6.625% | $1,590 | 126 | −$404 | |
| 18 | $5,499 | 6.625% | $1,590 | 30 | −$240 | |
| 19 | $6,428 | 6.875% | $1,956 | 31 | +$689 | |
| 20 | $6,582 | 6.500% | $1,677 | 19 | +$843 | |
| 21 | $6,956 | 6.500% | $1,663 | 15 | +$1,217 | |
| 22 | $7,388 | 6.875% | $3,102 | 18 | +$1,649 | |
| 23 | $7,560 | 6.625% | $3,817 | 16 | +$1,821 | |
| 24 | $7,686 | 6.875% | $3,743 | 14 | +$1,947 | |
| 25 | $7,703 | 6.625% | $5,396 | 84 | +$1,964 | |
| 26 | $7,719 | 6.750% | $4,022 | 28 | +$1,980 | |
| 27 | $7,783 | 6.875% | $4,025 | 12 | +$2,044 | |
| 28 | $8,010 | 6.990% | $4,786 | 10 | +$2,271 | |
| 29 | $8,049 | 6.375% | $2,119 | 15 | +$2,310 | |
| 30 | $8,361 | 6.625% | $4,295 | 103 | +$2,622 | |
| 31 | $9,577 | 7.125% | $6,802 | 11 | +$3,838 | |
| 32 | $9,630 | 6.625% | $6,186 | 141 | +$3,891 | |
| 33 | $9,633 | 6.875% | $6,067 | 12 | +$3,894 | |
| 34 | $10,287 | 6.875% | $6,830 | 31 | +$4,548 | |
| 35 | $14,322 | 6.500% | $10,168 | 25 | +$8,583 |
Includes lenders with 10+ purchase originations in Dutchess 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.