What are the average closing costs in Ontario County County?

In Ontario County County, the median total loan costs on purchase mortgages were $4,285 in 2024, based on 777 originations.

Which lender has the lowest closing costs in Ontario County County?

Among lenders with 10+ originations in Ontario County County, Community Bank, National Association had the lowest median total closing costs at $10 in 2024.

How do closing costs in Ontario County County compare to New York?

Ontario County County closing costs (median $4,285) are 33.5% below the New York state median of $6,440.

Lowest closing cost mortgage lenders in Ontario County County, New York

In Ontario County, New York, homebuyers paid a median of $4,285 in closing costs in 2024 — below the New York median of $6,440. The county saw 777 purchase mortgages at a median rate of 6.75%. Among lenders with 10+ originations, Community Bank, National Association offered the lowest median costs at $10, which is $4,144 less than the county median.

Homebuyers in Ontario County County who chose Community Bank, National Association paid $4,275 less in closing costs than the county median.

County Median Costs

$4,285

−33.5% vs New York ($6,440)

Median Rate

6.750%

+2.0% vs national (6.620%)

Median Origination

$1,450

Purchase Originations

777

vs New York Median

33.5% below

$-2,155

vs National Median

36.4% below

$-2,456

Lender rankings in Ontario County County

15 lenders with 10+ originations, ranked by median total loan costs.

Rank	Lender	Median Total Costs ↑	Median Rate ↕	Median Origination ↕	Volume ↕	vs. Median
1	Community Bank, National Association	$10	7.375%	$0	20	−$4,144
2	RELIANT COMMUNITY FEDERAL CREDIT UNION	$2,889	6.500%	$745	18	−$1,265
3	HOME TOWN FUNDING, INC.	$3,330	6.625%	$995	82	−$824
4	The Lyons National Bank	$3,873	6.750%	$824	81	−$281
5	PREMIUM MORTGAGE CORPORATION	$3,883	6.812%	$1,400	164	−$271
6	ESL Federal Credit Union	$3,928	6.625%	$2,113	27	−$226
7	Genesee Regional Bank	$4,255	6.938%	$1,450	60	+$101
8	1ST PRIORITY MORTGAGE, INC.	$4,318	6.562%	$1,982	18	+$164
9	PRIMELENDING, A PLAINSCAPITAL COMPANY	$5,644	6.933%	$2,710	28	+$1,490
10	Five Star Bank	$6,045	5.000%	$3,144	15	+$1,891
11	CROSSCOUNTRY MORTGAGE, LLC	$6,374	7.125%	$3,200	10	+$2,220
12	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	$6,546	6.990%	$3,390	21	+$2,392
13	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC	$8,854	7.125%	$4,728	10	+$4,700
14	NVR Mortgage Finance, Inc.	$9,964	6.250%	$6,925	25	+$5,810

Includes lenders with 10+ purchase originations in Ontario 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.