Lowest closing cost mortgage lenders in Monroe County County, New York
In Monroe County, New York, homebuyers paid a median of $4,247 in closing costs in 2024 — below the New York median of $6,440. The county saw 5,463 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 $4,113 less than the county median.
Homebuyers in Monroe County County who chose Community Bank, National Association paid $4,247 less in closing costs than the county median.
County Median Costs
$4,247
−34.0% vs New York ($6,440)
Median Rate
6.750%
+2.0% vs national (6.620%)
Median Origination
$1,450
Purchase Originations
5,463
vs New York Median
34.0% below
$-2,193
vs National Median
37.0% below
$-2,494
Lender rankings in Monroe County County
34 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 7.375% | $0 | 93 | −$4,113 | |
| 2 | $866 | 6.000% | $235 | 44 | −$3,248 | |
| 3 | $2,854 | 6.625% | $675 | 40 | −$1,258 | |
| 4 | $3,202 | 6.375% | $974 | 35 | −$911 | |
| 5 | $3,203 | 6.625% | $1,100 | 62 | −$910 | |
| 6 | $3,234 | 6.125% | $425 | 13 | −$879 | |
| 7 | $3,305 | 6.812% | $0 | 14 | −$808 | |
| 8 | $3,473 | 6.625% | $995 | 335 | −$640 | |
| 9 | $3,595 | 6.625% | $995 | 24 | −$518 | |
| 10 | $3,644 | 6.500% | $1,050 | 59 | −$469 | |
| 11 | $3,710 | 6.625% | $770 | 17 | −$403 | |
| 12 | $3,749 | 6.875% | $1,932 | 367 | −$364 | |
| 13 | $3,874 | 6.000% | $1,295 | 15 | −$239 | |
| 14 | $3,923 | 6.500% | $1,397 | 45 | −$190 | |
| 15 | $3,925 | 6.750% | $1,400 | 1,480 | −$188 | |
| 16 | $4,032 | 6.625% | $1,992 | 34 | −$81 | |
| 17 | $4,156 | 6.875% | $974 | 77 | +$43 | |
| 18 | $4,209 | 6.375% | $1,668 | 71 | +$96 | |
| 19 | $4,232 | 7.000% | $1,450 | 715 | +$119 | |
| 20 | $4,505 | 6.750% | $1,700 | 180 | +$392 | |
| 21 | $4,546 | 6.625% | $1,968 | 57 | +$432 | |
| 22 | $4,665 | 6.594% | $2,067 | 30 | +$552 | |
| 23 | $5,052 | 6.875% | $2,402 | 259 | +$939 | |
| 24 | $5,183 | 6.625% | $1,270 | 10 | +$1,070 | |
| 25 | $5,822 | 6.875% | $3,282 | 142 | +$1,709 | |
| 26 | $6,166 | 6.625% | $3,514 | 14 | +$2,053 | |
| 27 | $6,195 | 6.875% | $3,828 | 55 | +$2,082 | |
| 28 | $6,379 | 7.000% | $3,266 | 124 | +$2,266 | |
| 29 | $6,420 | 6.990% | $3,617 | 104 | +$2,307 | |
| 30 | $6,551 | 7.125% | $2,560 | 15 | +$2,438 | |
| 31 | $8,234 | 6.562% | $5,360 | 14 | +$4,121 | |
| 32 | $8,573 | 6.998% | $5,563 | 62 | +$4,460 | |
| 33 | $13,066 | 6.500% | $9,853 | 40 | +$8,953 |
Includes lenders with 10+ purchase originations in Monroe 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
Found your lender? Make sure their quote is fair.
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.