What are the average closing costs in Saratoga County County?

In Saratoga County County, the median total loan costs on purchase mortgages were $5,270 in 2024, based on 1,830 originations.

Which lender has the lowest closing costs in Saratoga County County?

Among lenders with 10+ originations in Saratoga County County, Arrow Bank National Association had the lowest median total closing costs at $4,018 in 2024.

How do closing costs in Saratoga County County compare to New York?

Saratoga County County closing costs (median $5,270) are 18.2% below the New York state median of $6,440.

Lowest closing cost mortgage lenders in Saratoga County County, New York

In Saratoga County, New York, homebuyers paid a median of $5,270 in closing costs in 2024 — below the New York median of $6,440. The county saw 1,830 purchase mortgages at a median rate of 6.38%. Among lenders with 10+ originations, Arrow Bank National Association offered the lowest median costs at $4,018, which is $1,071 less than the county median.

Homebuyers in Saratoga County County who chose Arrow Bank National Association paid $1,252 less in closing costs than the county median.

County Median Costs

$5,270

−18.2% vs New York ($6,440)

Median Rate

6.380%

−3.6% vs national (6.620%)

Median Origination

$1,551

Purchase Originations

1,830

vs New York Median

18.2% below

$-1,170

vs National Median

21.8% below

$-1,471

Lender rankings in Saratoga County County

27 lenders with 10+ originations, ranked by median total loan costs.

Rank	Lender	Median Total Costs ↑	Median Rate ↕	Median Origination ↕	Volume ↕	vs. Median
1	Arrow Bank National Association	$4,018	6.375%	$838	21	−$1,071
2	Community Bank, National Association	$4,161	7.062%	$900	16	−$928
3	TrustCo Bank	$4,238	6.490%	$1,694	120	−$851
4	SARATOGA NATIONAL BANK AND TRUST COMPANY	$4,304	6.250%	$595	113	−$785
5	Manufacturers and Traders Trust Company	$4,534	6.375%	$1,060	11	−$555
6	Catskill Hudson Bank	$4,638	6.250%	$500	27	−$451
7	SEFCU SERVICES, LLC	$4,709	5.875%	$1,290	381	−$380
8	SUNMARK CREDIT UNION	$4,744	6.438%	$1,400	42	−$345
9	FIRST NEW YORK	$4,977	5.188%	$840	10	−$112
10	HOMESTEAD FUNDING CORP.	$4,991	6.500%	$1,366	259	−$98
11	Chemung Canal Trust Company	$5,070	6.875%	$695	15	−$19
12	KeyBank National Association	$5,087	6.250%	$1,714	20	−$2
13	1ST PRIORITY MORTGAGE, INC.	$5,092	6.625%	$1,700	11	+$3
14	PREMIUM MORTGAGE CORPORATION	$5,656	6.500%	$1,400	45	+$567
15	Bank of America, National Association	$5,813	6.688%	$1,568	20	+$724
16	MOVEMENT MORTGAGE, LLC	$6,031	6.875%	$1,495	43	+$942
17	Evolve Bank & Trust	$6,132	6.500%	$1,798	23	+$1,043
18	JPMorgan Chase Bank, National Association	$6,179	6.875%	$1,782	16	+$1,090
19	NBT Bank, National Association	$6,229	6.438%	$2,191	12	+$1,140
20	ROCKET MORTGAGE, LLC	$6,519	6.875%	$3,299	19	+$1,430
21	GUARANTEED RATE, INC.	$6,920	6.500%	$3,104	10	+$1,831
22	UNITED WHOLESALE MORTGAGE, LLC	$7,184	6.625%	$3,915	111	+$2,095
23	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	$8,122	6.625%	$3,983	38	+$3,033
24	NEWREZ LLC	$10,016	6.875%	$6,399	19	+$4,927
25	PLAZA HOME MORTGAGE, INC.	$11,472	6.625%	$8,375	13	+$6,383

Includes lenders with 10+ purchase originations in Saratoga 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.