Lowest closing cost mortgage lenders in Livingston County County, New York
In Livingston County, New York, homebuyers paid a median of $4,127 in closing costs in 2024 — below the New York median of $6,440. The county saw 383 purchase mortgages at a median rate of 6.75%. Among lenders with 10+ originations, Community Bank, National Association offered the lowest median costs at $0, which is $4,020 less than the county median.
Homebuyers in Livingston County County who chose Community Bank, National Association paid $4,127 less in closing costs than the county median.
County Median Costs
$4,127
−35.9% vs New York ($6,440)
Median Rate
6.750%
+2.0% vs national (6.620%)
Median Origination
$1,450
Purchase Originations
383
vs New York Median
35.9% below
$-2,313
vs National Median
38.8% below
$-2,614
Lender rankings in Livingston County County
7 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 7.750% | $0 | 21 | −$4,020 | |
| 2 | $3,110 | 6.688% | $995 | 18 | −$910 | |
| 3 | $3,711 | 6.875% | $2,004 | 19 | −$309 | |
| 4 | $3,794 | 6.750% | $1,400 | 101 | −$226 | |
| 5 | $4,060 | 7.000% | $1,450 | 31 | +$40 | |
| 6 | $4,118 | 6.562% | $2,048 | 14 | +$98 | |
| 7 | $4,773 | 6.750% | $2,311 | 27 | +$753 |
Includes lenders with 10+ purchase originations in Livingston 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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HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
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.