Homebuyers in Richmond County County who chose Municipal Credit Union paid $5,371 less in closing costs than the county median.
County Median Costs
$9,917
+55.0% vs New York ($6,400)
Median Rate
6.490%
+0.0% vs national (6.490%)
Median Origination
$3,612
Purchase Originations
2,414
Denial Rate
8.1%
vs New York avg (8.5%)
vs New York Median
55.0% above
$3,517
vs National Median
48.5% above
$3,237
41 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,546 | 6.062% | $0 | 20 | −$4,749 | |
| 2 | $6,520 | 6.312% | $1,270 | 16 | −$2,775 | |
| 3 | $6,611 | 6.000% | $1,660 | 21 | −$2,684 | |
| 4 | $6,788 | 6.125% | $1,466 | 18 | −$2,507 | |
| 5 | $6,853 | 6.250% | $1,656 | 31 | −$2,442 | |
| 6 | $6,869 | 6.875% | $1,459 | 18 | −$2,426 | |
| 7 | $6,873 | 6.750% | $1,595 | 19 | −$2,422 | |
| 8 | $7,380 | 6.250% | $1,790 | 84 | −$1,915 | |
| 9 | $7,422 | 6.375% | $1,640 | 21 | −$1,873 | |
| 10 | $7,443 | 6.500% | $1,844 | 90 | −$1,852 | |
| 11 | $7,582 | 6.750% | $1,380 | 31 | −$1,713 | |
| 12 | $7,583 | 6.250% | $2,532 | 209 | −$1,712 | |
| 13 | $7,590 | 6.250% | $2,415 | 11 | −$1,705 | |
| 14 | $7,643 | 6.812% | $2,625 | 12 | −$1,652 | |
| 15 | $7,690 | 6.745% | $1,740 | 88 | −$1,605 | |
| 16 | $7,923 | 6.250% | $2,200 | 12 | −$1,372 | |
| 17 | $8,078 | 6.499% | $2,730 | 106 | −$1,217 | |
| 18 | $8,098 | 6.250% | $1,090 | 47 | −$1,197 | |
| 19 | $8,214 | 6.375% | $1,380 | 54 | −$1,081 | |
| 20 | $8,424 | 6.625% | $2,290 | 73 | −$871 | |
| 21 | $8,474 | 6.125% | $1,495 | 59 | −$821 | |
| 22 | $9,041 | 6.125% | $1,740 | 17 | −$254 | |
| 23 | $9,420 | 6.375% | $3,395 | 16 | +$125 | |
| 24 | $9,684 | 7.125% | $5,057 | 13 | +$389 | |
| 25 | $9,697 | 6.250% | $2,588 | 25 | +$402 |
Includes lenders with 10+ purchase originations in Richmond County County. Source: HMDA 2025. 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 2025, 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.