What are the average closing costs in Steuben County County?

In Steuben County County, the median total loan costs on purchase mortgages were $4,360 in 2024, based on 566 originations.

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

Among lenders with 10+ originations in Steuben County County, Community Bank, National Association had the lowest median total closing costs at $0 in 2024.

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

Steuben County County closing costs (median $4,360) are 32.3% below the New York state median of $6,440.

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

In Steuben County, New York, homebuyers paid a median of $4,360 in closing costs in 2024 — below the New York median of $6,440. The county saw 566 purchase mortgages at a median rate of 6.75%. Among lenders with 10+ originations, Community Bank, National Association offered the lowest median costs at $0, which is $4,005 less than the county median.

Homebuyers in Steuben County County who chose Community Bank, National Association paid $4,360 less in closing costs than the county median.

County Median Costs

$4,360

−32.3% vs New York ($6,440)

Median Rate

6.750%

+2.0% vs national (6.620%)

Median Origination

$1,400

Purchase Originations

566

vs New York Median

32.3% below

$-2,080

vs National Median

35.3% below

$-2,381

Lender rankings in Steuben County County

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

Rank	Lender	Median Total Costs ↑	Median Rate ↕	Median Origination ↕	Volume ↕	vs. Median
1	Community Bank, National Association	$0	7.625%	$0	52	−$4,005
2	FIRST HERITAGE FEDERAL CREDIT UNION	$3,106	6.500%	$400	28	−$899
3	The Lyons National Bank	$3,406	6.875%	$675	11	−$599
4	PREMIUM MORTGAGE CORPORATION	$3,554	6.624%	$1,400	20	−$451
5	CORNING FEDERAL CREDIT UNION	$3,728	6.500%	$400	80	−$277
6	EVERETT FINANCIAL, INC.	$4,377	6.625%	$1,635	19	+$372
7	1ST PRIORITY MORTGAGE, INC.	$4,403	6.625%	$1,872	13	+$398
8	MOVEMENT MORTGAGE, LLC	$4,982	6.562%	$2,275	31	+$977
9	PRIMELENDING, A PLAINSCAPITAL COMPANY	$5,095	6.875%	$2,077	13	+$1,090
10	ROCKET MORTGAGE, LLC	$5,568	6.933%	$2,759	26	+$1,563
11	CITIZENS & NORTHERN BANK	$6,817	7.000%	$3,588	12	+$2,812

Includes lenders with 10+ purchase originations in Steuben 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.