Lowest closing cost mortgage lenders in Niagara County County, New York
In Niagara County, New York, homebuyers paid a median of $4,991 in closing costs in 2024 — below the New York median of $6,440. The county saw 1,509 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, Bank of America, National Association offered the lowest median costs at $2,666, which is $1,787 less than the county median.
Homebuyers in Niagara County County who chose Bank of America, National Association paid $2,325 less in closing costs than the county median.
County Median Costs
$4,991
−22.5% vs New York ($6,440)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$1,771
Purchase Originations
1,509
vs New York Median
22.5% below
$-1,449
vs National Median
26.0% below
$-1,750
Lender rankings in Niagara County County
21 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,666 | 6.250% | $790 | 21 | −$1,787 | |
| 2 | $3,367 | 6.750% | $1,100 | 24 | −$1,086 | |
| 3 | $3,533 | 6.875% | $1,142 | 12 | −$920 | |
| 4 | $3,767 | 6.250% | $1,228 | 13 | −$686 | |
| 5 | $3,794 | 6.375% | $1,295 | 58 | −$659 | |
| 6 | $3,830 | 6.812% | $995 | 14 | −$623 | |
| 7 | $3,874 | 6.625% | $1,400 | 196 | −$579 | |
| 8 | $3,929 | 6.750% | $1,332 | 91 | −$524 | |
| 9 | $4,026 | 6.562% | $954 | 44 | −$427 | |
| 10 | $4,188 | 6.875% | $1,700 | 69 | −$265 | |
| 11 | $4,454 | 6.562% | $1,495 | 12 | +$1 | |
| 12 | $4,593 | 6.500% | $1,685 | 42 | +$140 | |
| 13 | $5,272 | 6.375% | $2,298 | 16 | +$819 | |
| 14 | $5,279 | 6.750% | $2,250 | 43 | +$826 | |
| 15 | $5,612 | 6.625% | $3,117 | 49 | +$1,159 | |
| 16 | $5,776 | 6.625% | $3,630 | 76 | +$1,323 | |
| 17 | $7,313 | 6.624% | $4,440 | 162 | +$2,860 | |
| 18 | $7,347 | 6.688% | $5,069 | 12 | +$2,894 |
Includes lenders with 10+ purchase originations in Niagara 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.