Homebuyers in Niagara County County who chose Bank of America, National Association paid $3,849 less in closing costs than the county median.
County Median Costs
$5,278
−17.5% vs New York ($6,400)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$1,801
Purchase Originations
1,580
Denial Rate
9.0%
vs New York avg (8.5%)
vs New York Median
17.5% below
$-1,122
vs National Median
21.0% below
$-1,402
19 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,429 | 6.500% | $658 | 26 | −$3,215 | |
| 2 | $3,799 | 6.375% | $1,336 | 12 | −$845 | |
| 3 | $3,848 | 6.375% | $1,200 | 23 | −$796 | |
| 4 | $4,052 | 6.625% | $1,450 | 188 | −$592 | |
| 5 | $4,212 | 6.375% | $1,473 | 81 | −$432 | |
| 6 | $4,259 | 6.750% | $1,865 | 75 | −$385 | |
| 7 | $4,453 | 6.375% | $1,560 | 103 | −$191 | |
| 8 | $4,819 | 6.375% | $1,295 | 39 | +$175 | |
| 9 | $4,882 | 6.594% | $2,132 | 10 | +$238 | |
| 10 | $5,087 | 6.375% | $1,795 | 44 | +$443 | |
| 11 | $5,222 | 6.500% | $1,750 | 19 | +$578 | |
| 12 | $5,570 | 6.625% | $3,511 | 53 | +$926 | |
| 13 | $5,674 | 6.740% | $1,890 | 57 | +$1,030 | |
| 14 | $5,894 | 6.812% | $3,693 | 42 | +$1,250 | |
| 15 | $6,122 | 6.875% | $3,376 | 13 | +$1,478 | |
| 16 | $7,288 | 6.490% | $4,373 | 174 | +$2,644 | |
| 17 | $10,921 | 6.812% | $7,113 | 10 | +$6,277 |
Includes lenders with 10+ purchase originations in Niagara 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.