Lowest closing cost mortgage lenders in Erie County County, New York
In Erie County, New York, homebuyers paid a median of $5,112 in closing costs in 2024 — below the New York median of $6,440. The county saw 6,561 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 $4,713 less than the county median.
Homebuyers in Erie County County who chose Community Bank, National Association paid $5,112 less in closing costs than the county median.
County Median Costs
$5,112
−20.6% vs New York ($6,440)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$1,862
Purchase Originations
6,561
vs New York Median
20.6% below
$-1,328
vs National Median
24.2% below
$-1,629
Lender rankings in Erie County County
46 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 7.500% | $0 | 116 | −$4,713 | |
| 2 | $2,244 | 5.875% | $1,041 | 126 | −$2,469 | |
| 3 | $2,978 | 6.562% | $675 | 16 | −$1,734 | |
| 4 | $3,045 | 6.125% | $790 | 61 | −$1,668 | |
| 5 | $3,181 | 6.562% | $0 | 24 | −$1,532 | |
| 6 | $3,616 | 6.500% | $770 | 11 | −$1,097 | |
| 7 | $3,718 | 7.125% | $1,920 | 12 | −$995 | |
| 8 | $3,807 | 6.438% | $840 | 10 | −$906 | |
| 9 | $3,843 | 6.632% | $1,191 | 10 | −$870 | |
| 10 | $3,888 | 6.625% | $1,376 | 145 | −$825 | |
| 11 | $3,890 | 6.370% | $1,047 | 16 | −$823 | |
| 12 | $3,953 | 6.250% | $1,010 | 19 | −$760 | |
| 13 | $4,012 | 6.750% | $1,400 | 837 | −$701 | |
| 14 | $4,080 | 6.500% | $1,425 | 641 | −$633 | |
| 15 | $4,209 | 6.625% | $708 | 11 | −$504 | |
| 16 | $4,297 | 6.375% | $1,525 | 305 | −$416 | |
| 17 | $4,408 | 6.875% | $1,700 | 277 | −$305 | |
| 18 | $4,464 | 6.500% | $1,375 | 17 | −$249 | |
| 19 | $4,511 | 6.625% | $950 | 19 | −$202 | |
| 20 | $4,584 | 6.625% | $2,448 | 69 | −$129 | |
| 21 | $4,616 | 6.875% | $1,495 | 65 | −$97 | |
| 22 | $4,765 | 5.950% | $285 | 22 | +$52 | |
| 23 | $4,802 | 6.625% | $1,295 | 147 | +$89 | |
| 24 | $4,863 | 6.625% | $1,700 | 141 | +$150 | |
| 25 | $5,169 | 6.645% | $250 | 12 | +$456 | |
| 26 | $5,300 | 6.438% | $2,218 | 24 | +$587 | |
| 27 | $5,356 | 6.990% | $2,573 | 15 | +$643 | |
| 28 | $5,435 | 6.688% | $2,554 | 48 | +$722 | |
| 29 | $5,488 | 6.500% | $2,441 | 17 | +$775 | |
| 30 | $5,516 | 6.625% | $2,062 | 328 | +$803 | |
| 31 | $5,622 | 6.625% | $1,956 | 47 | +$909 | |
| 32 | $5,818 | 6.625% | $2,519 | 15 | +$1,104 | |
| 33 | $5,820 | 6.750% | $3,702 | 289 | +$1,107 | |
| 34 | $5,931 | 6.875% | $3,775 | 126 | +$1,218 | |
| 35 | $6,205 | 6.875% | $3,008 | 21 | +$1,492 | |
| 36 | $6,333 | 6.875% | $3,539 | 28 | +$1,620 | |
| 37 | $6,804 | 6.875% | $4,118 | 20 | +$2,091 | |
| 38 | $6,943 | 6.938% | $4,065 | 56 | +$2,230 | |
| 39 | $7,453 | 6.937% | $3,658 | 18 | +$2,740 | |
| 40 | $7,533 | 6.624% | $4,766 | 846 | +$2,820 | |
| 41 | $7,747 | 6.625% | $5,490 | 24 | +$3,034 | |
| 42 | $8,566 | 6.250% | $5,570 | 24 | +$3,853 | |
| 43 | $9,050 | 6.500% | $5,472 | 52 | +$4,337 |
Includes lenders with 10+ purchase originations in Erie 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.