Lowest closing cost mortgage lenders in Orange County County, New York
In Orange County, New York, homebuyers paid a median of $7,626 in closing costs in 2024 — above the New York median of $6,440. The county saw 2,581 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, TEG Federal Credit Union offered the lowest median costs at $3,668, which is $3,225 less than the county median.
Homebuyers in Orange County County who chose TEG Federal Credit Union paid $3,958 less in closing costs than the county median.
County Median Costs
$7,626
+18.4% vs New York ($6,440)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$2,897
Purchase Originations
2,581
vs New York Median
18.4% above
$1,186
vs National Median
13.1% above
$885
Lender rankings in Orange County County
38 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,668 | 6.750% | $0 | 30 | −$3,225 | |
| 2 | $3,990 | 5.875% | $0 | 10 | −$2,903 | |
| 3 | $4,150 | 6.500% | $1,124 | 94 | −$2,743 | |
| 4 | $4,367 | 6.625% | $2,669 | 15 | −$2,526 | |
| 5 | $4,474 | 6.062% | $900 | 14 | −$2,419 | |
| 6 | $4,623 | 6.500% | $1,620 | 18 | −$2,270 | |
| 7 | $4,645 | 6.625% | $1,067 | 121 | −$2,248 | |
| 8 | $4,667 | 6.375% | $1,352 | 25 | −$2,226 | |
| 9 | $4,925 | 6.375% | $350 | 25 | −$1,968 | |
| 10 | $5,135 | 7.500% | $1,790 | 15 | −$1,758 | |
| 11 | $5,198 | 6.875% | $1,395 | 14 | −$1,695 | |
| 12 | $5,414 | 7.625% | $1,586 | 11 | −$1,479 | |
| 13 | $5,548 | 6.575% | $1,640 | 37 | −$1,345 | |
| 14 | $5,571 | 6.625% | $1,590 | 38 | −$1,322 | |
| 15 | $5,695 | 6.625% | $2,115 | 102 | −$1,198 | |
| 16 | $5,773 | 6.625% | $950 | 12 | −$1,120 | |
| 17 | $5,849 | 6.875% | $1,590 | 45 | −$1,044 | |
| 18 | $5,892 | 6.625% | $1,350 | 17 | −$1,001 | |
| 19 | $6,088 | 6.750% | $2,807 | 24 | −$805 | |
| 20 | $6,386 | 6.625% | $2,430 | 213 | −$507 | |
| 21 | $6,731 | 6.500% | $2,969 | 48 | −$162 | |
| 22 | $6,868 | 6.500% | $2,195 | 15 | −$25 | |
| 23 | $6,893 | 6.750% | $4,269 | 99 | +$0 | |
| 24 | $6,919 | 6.062% | $2,021 | 28 | +$26 | |
| 25 | $7,212 | 6.875% | $2,374 | 34 | +$319 | |
| 26 | $7,362 | 6.750% | $2,751 | 17 | +$469 | |
| 27 | $7,912 | 6.875% | $2,768 | 123 | +$1,019 | |
| 28 | $7,992 | 6.875% | $4,329 | 39 | +$1,099 | |
| 29 | $7,992 | 6.875% | $3,267 | 12 | +$1,099 | |
| 30 | $8,279 | 6.625% | $4,285 | 84 | +$1,386 | |
| 31 | $8,346 | 6.812% | $5,471 | 16 | +$1,453 | |
| 32 | $8,482 | 6.812% | $4,858 | 54 | +$1,589 | |
| 33 | $10,035 | 6.750% | $5,535 | 13 | +$3,142 | |
| 34 | $10,105 | 6.625% | $5,983 | 339 | +$3,212 | |
| 35 | $10,597 | 7.000% | $6,025 | 13 | +$3,704 | |
| 36 | $10,722 | 7.000% | $7,347 | 23 | +$3,829 | |
| 37 | $14,220 | 6.875% | $9,240 | 11 | +$7,327 |
Includes lenders with 10+ purchase originations in Orange 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.