Lowest closing cost mortgage lenders in Putnam County County, New York
In Putnam County, New York, homebuyers paid a median of $7,731 in closing costs in 2024 — above the New York median of $6,440. The county saw 702 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, HUDSON VALLEY CREDIT UNION offered the lowest median costs at $4,385, which is $2,846 less than the county median.
Homebuyers in Putnam County County who chose HUDSON VALLEY CREDIT UNION paid $3,346 less in closing costs than the county median.
County Median Costs
$7,731
+20.1% vs New York ($6,440)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$2,954
Purchase Originations
702
vs New York Median
20.1% above
$1,291
vs National Median
14.7% above
$990
Lender rankings in Putnam County County
19 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,385 | 6.375% | $849 | 13 | −$2,846 | |
| 2 | $5,011 | 6.625% | $1,490 | 17 | −$2,220 | |
| 3 | $5,298 | 6.250% | $770 | 11 | −$1,933 | |
| 4 | $5,539 | 6.625% | $1,590 | 19 | −$1,692 | |
| 5 | $5,627 | 6.850% | $1,640 | 12 | −$1,604 | |
| 6 | $5,629 | 6.625% | $1,966 | 12 | −$1,602 | |
| 7 | $5,927 | 6.625% | $1,690 | 53 | −$1,304 | |
| 8 | $6,042 | 6.875% | $1,982 | 17 | −$1,189 | |
| 9 | $6,077 | 6.875% | $1,942 | 32 | −$1,154 | |
| 10 | $6,570 | 6.875% | $2,161 | 17 | −$661 | |
| 11 | $6,991 | 6.624% | $3,335 | 15 | −$240 | |
| 12 | $7,589 | 6.625% | $4,082 | 11 | +$358 | |
| 13 | $7,916 | 6.312% | $1,924 | 12 | +$685 | |
| 14 | $8,106 | 6.990% | $4,446 | 12 | +$875 | |
| 15 | $8,850 | 6.625% | $5,390 | 57 | +$1,619 | |
| 16 | $10,259 | 6.625% | $6,061 | 10 | +$3,028 | |
| 17 | $10,549 | 6.624% | $6,247 | 77 | +$3,318 | |
| 18 | $13,519 | 6.749% | $10,036 | 16 | +$6,288 | |
| 19 | $14,202 | 6.875% | $10,363 | 10 | +$6,971 |
Includes lenders with 10+ purchase originations in Putnam 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.