Homebuyers in Genesee County County who chose ESL Federal Credit Union paid $993 less in closing costs than the county median.
County Median Costs
$4,431
−30.8% vs New York ($6,400)
Median Rate
6.620%
+2.0% vs national (6.490%)
Median Origination
$1,500
Purchase Originations
358
Denial Rate
10.7%
vs New York avg (8.5%)
vs New York Median
30.8% below
$-1,969
vs National Median
33.7% below
$-2,249
9 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,438 | 6.625% | $1,963 | 11 | −$746 | |
| 2 | $3,506 | 6.625% | $845 | 22 | −$678 | |
| 3 | $3,742 | 6.750% | $1,450 | 67 | −$442 | |
| 4 | $4,134 | 6.562% | $1,865 | 14 | −$50 | |
| 5 | $4,154 | 6.562% | $1,500 | 16 | −$30 | |
| 6 | $4,546 | 6.938% | $1,550 | 20 | +$362 | |
| 7 | $4,946 | 6.750% | $1,508 | 12 | +$762 | |
| 8 | $5,966 | 6.683% | $2,351 | 12 | +$1,782 | |
| 9 | $6,130 | 6.499% | $3,596 | 16 | +$1,946 |
Includes lenders with 10+ purchase originations in Genesee County County. Source: HMDA 2025. 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 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.