Lowest closing cost mortgage lenders in Rensselaer County County, New York
In Rensselaer County, New York, homebuyers paid a median of $4,660 in closing costs in 2024 — below the New York median of $6,440. The county saw 1,202 purchase mortgages at a median rate of 6.38%. Among lenders with 10+ originations, U.S. Bank National Association offered the lowest median costs at $811, which is $3,501 less than the county median.
Homebuyers in Rensselaer County County who chose U.S. Bank National Association paid $3,849 less in closing costs than the county median.
County Median Costs
$4,660
−27.6% vs New York ($6,440)
Median Rate
6.380%
−3.6% vs national (6.620%)
Median Origination
$1,400
Purchase Originations
1,202
vs New York Median
27.6% below
$-1,780
vs National Median
30.9% below
$-2,081
Lender rankings in Rensselaer County County
14 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $811 | 6.375% | $538 | 10 | −$3,501 | |
| 2 | $3,331 | 6.500% | $1,694 | 41 | −$981 | |
| 3 | $3,872 | 6.125% | $1,036 | 314 | −$440 | |
| 4 | $3,970 | 6.625% | $1,299 | 15 | −$342 | |
| 5 | $4,182 | 6.500% | $1,127 | 188 | −$130 | |
| 6 | $4,302 | 6.375% | $1,625 | 31 | −$10 | |
| 7 | $4,396 | 6.375% | $1,460 | 25 | +$84 | |
| 8 | $4,789 | 6.625% | $1,400 | 31 | +$477 | |
| 9 | $4,848 | 6.625% | $1,495 | 15 | +$536 | |
| 10 | $5,579 | 6.625% | $1,595 | 28 | +$1,267 | |
| 11 | $5,638 | 6.625% | $2,815 | 20 | +$1,326 | |
| 12 | $7,792 | 6.624% | $4,750 | 62 | +$3,480 | |
| 13 | $8,525 | 6.562% | $4,964 | 10 | +$4,213 |
Includes lenders with 10+ purchase originations in Rensselaer 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.