Lowest closing cost mortgage lenders in Onondaga County County, New York
In Onondaga County, New York, homebuyers paid a median of $4,496 in closing costs in 2024 — below the New York median of $6,440. The county saw 3,059 purchase mortgages at a median rate of 6.50%. Among lenders with 10+ originations, Community Bank, National Association offered the lowest median costs at $0, which is $4,222 less than the county median.
Homebuyers in Onondaga County County who chose Community Bank, National Association paid $4,496 less in closing costs than the county median.
County Median Costs
$4,496
−30.2% vs New York ($6,440)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$1,510
Purchase Originations
3,059
vs New York Median
30.2% below
$-1,944
vs National Median
33.3% below
$-2,245
Lender rankings in Onondaga County County
32 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 | 85 | −$4,222 | |
| 2 | $0 | 5.750% | $0 | 11 | −$4,222 | |
| 3 | $2,899 | 6.500% | $123 | 405 | −$1,323 | |
| 4 | $3,284 | 6.000% | $750 | 51 | −$938 | |
| 5 | $3,395 | 7.125% | $0 | 15 | −$827 | |
| 6 | $3,512 | 6.500% | $200 | 23 | −$710 | |
| 7 | $3,543 | 6.000% | $1,106 | 234 | −$679 | |
| 8 | $3,738 | 6.375% | $870 | 106 | −$484 | |
| 9 | $3,745 | 6.625% | $1,168 | 109 | −$477 | |
| 10 | $3,806 | 6.500% | $770 | 29 | −$416 | |
| 11 | $3,835 | 6.625% | $1,005 | 12 | −$387 | |
| 12 | $3,963 | 6.250% | $1,445 | 93 | −$259 | |
| 13 | $4,013 | 6.000% | $1,313 | 21 | −$209 | |
| 14 | $4,053 | 6.375% | $1,314 | 56 | −$169 | |
| 15 | $4,080 | 6.500% | $1,760 | 78 | −$142 | |
| 16 | $4,245 | 6.125% | $1,555 | 153 | +$23 | |
| 17 | $4,282 | 6.750% | $1,450 | 97 | +$60 | |
| 18 | $4,476 | 6.625% | $1,700 | 41 | +$254 | |
| 19 | $4,726 | 6.875% | $1,706 | 29 | +$504 | |
| 20 | $5,185 | 6.875% | $1,969 | 52 | +$963 | |
| 21 | $5,186 | 6.495% | $2,700 | 40 | +$964 | |
| 22 | $5,198 | 6.750% | $2,916 | 14 | +$976 | |
| 23 | $5,281 | 6.625% | $2,511 | 141 | +$1,059 | |
| 24 | $5,353 | 6.875% | $2,327 | 50 | +$1,131 | |
| 25 | $5,566 | 6.625% | $2,460 | 139 | +$1,344 | |
| 26 | $6,145 | 6.990% | $3,587 | 58 | +$1,923 | |
| 27 | $6,417 | 6.625% | $4,185 | 128 | +$2,195 | |
| 28 | $6,634 | 6.625% | $3,651 | 61 | +$2,412 | |
| 29 | $7,285 | 6.399% | $4,776 | 37 | +$3,063 | |
| 30 | $8,484 | 6.625% | $5,592 | 22 | +$4,262 |
Includes lenders with 10+ purchase originations in Onondaga 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.