Lowest closing cost mortgage lenders in Orleans County County, New York
In Orleans County, New York, homebuyers paid a median of $4,049 in closing costs in 2024 — below the New York median of $6,440. The county saw 257 purchase mortgages at a median rate of 6.75%. Among lenders with 10+ originations, Tompkins Community Bank offered the lowest median costs at $2,963, which is $892 less than the county median.
Homebuyers in Orleans County County who chose Tompkins Community Bank paid $1,086 less in closing costs than the county median.
County Median Costs
$4,049
−37.1% vs New York ($6,440)
Median Rate
6.750%
+2.0% vs national (6.620%)
Median Origination
$1,400
Purchase Originations
257
vs New York Median
37.1% below
$-2,391
vs National Median
39.9% below
$-2,692
Lender rankings in Orleans County County
5 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,963 | 6.625% | $745 | 12 | −$892 | |
| 2 | $3,412 | 6.562% | $1,169 | 10 | −$443 | |
| 3 | $3,697 | 6.750% | $1,400 | 49 | −$158 | |
| 4 | $3,779 | 7.000% | $1,819 | 11 | −$76 | |
| 5 | $4,143 | 6.875% | $1,450 | 13 | +$288 |
Includes lenders with 10+ purchase originations in Orleans 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.