Lowest closing cost mortgage lenders in Richmond County County, New York
In Richmond County, New York, homebuyers paid a median of $9,951 in closing costs in 2024 — above the New York median of $6,440. The county saw 2,583 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, U.S. Bank National Association offered the lowest median costs at $5,648, which is $3,621 less than the county median.
Homebuyers in Richmond County County who chose U.S. Bank National Association paid $4,303 less in closing costs than the county median.
County Median Costs
$9,951
+54.5% vs New York ($6,440)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$4,337
Purchase Originations
2,583
vs New York Median
54.5% above
$3,511
vs National Median
47.6% above
$3,210
Lender rankings in Richmond County County
41 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,648 | 6.500% | $995 | 40 | −$3,621 | |
| 2 | $5,727 | 6.125% | $900 | 23 | −$3,542 | |
| 3 | $6,118 | 6.875% | $1,669 | 10 | −$3,151 | |
| 4 | $6,252 | 6.750% | $1,595 | 21 | −$3,017 | |
| 5 | $6,647 | 6.375% | $3,026 | 16 | −$2,622 | |
| 6 | $6,678 | 7.625% | $1,380 | 68 | −$2,591 | |
| 7 | $6,949 | 7.125% | $1,380 | 41 | −$2,320 | |
| 8 | $7,206 | 6.250% | $1,500 | 53 | −$2,063 | |
| 9 | $7,223 | 6.875% | $1,722 | 62 | −$2,046 | |
| 10 | $7,249 | 6.500% | $1,770 | 39 | −$2,020 | |
| 11 | $7,297 | 6.062% | $1,949 | 16 | −$1,972 | |
| 12 | $7,359 | 6.625% | $2,010 | 12 | −$1,910 | |
| 13 | $7,935 | 6.500% | $3,380 | 216 | −$1,334 | |
| 14 | $7,944 | 6.500% | $3,308 | 19 | −$1,325 | |
| 15 | $8,028 | 6.750% | $1,495 | 77 | −$1,241 | |
| 16 | $8,188 | 6.875% | $2,364 | 119 | −$1,081 | |
| 17 | $8,252 | 6.750% | $1,770 | 40 | −$1,017 | |
| 18 | $8,324 | 6.500% | $2,070 | 21 | −$945 | |
| 19 | $8,331 | 6.562% | $2,931 | 14 | −$938 | |
| 20 | $8,485 | 6.990% | $4,365 | 17 | −$784 | |
| 21 | $8,576 | 6.625% | $3,401 | 87 | −$693 | |
| 22 | $9,031 | 6.688% | $4,464 | 32 | −$238 | |
| 23 | $9,254 | 6.500% | $5,435 | 68 | −$15 | |
| 24 | $9,666 | 6.624% | $5,567 | 111 | +$397 | |
| 25 | $10,186 | 6.500% | $5,014 | 38 | +$917 | |
| 26 | $10,602 | 7.250% | $5,403 | 76 | +$1,333 | |
| 27 | $11,077 | 6.500% | $1,094 | 24 | +$1,808 | |
| 28 | $11,198 | 7.250% | $5,590 | 13 | +$1,929 | |
| 29 | $11,442 | 7.000% | $5,418 | 71 | +$2,173 | |
| 30 | $12,074 | 6.625% | $6,365 | 26 | +$2,805 | |
| 31 | $12,473 | 7.000% | $6,888 | 30 | +$3,204 | |
| 32 | $12,521 | 6.875% | $8,010 | 72 | +$3,252 | |
| 33 | $12,830 | 6.125% | $6,272 | 10 | +$3,561 | |
| 34 | $12,858 | 6.625% | $8,169 | 324 | +$3,589 | |
| 35 | $13,593 | 6.625% | $8,995 | 52 | +$4,324 | |
| 36 | $14,468 | 6.812% | $9,960 | 14 | +$5,199 | |
| 37 | $14,577 | 6.500% | $9,845 | 31 | +$5,308 | |
| 38 | $14,686 | 6.625% | $9,152 | 54 | +$5,417 | |
| 39 | $16,196 | 8.562% | $9,518 | 24 | +$6,927 | |
| 40 | $16,417 | 7.062% | $10,798 | 16 | +$7,148 |
Includes lenders with 10+ purchase originations in Richmond 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.