Lowest closing cost mortgage lenders in Suffolk County County, New York
In Suffolk County, New York, homebuyers paid a median of $10,583 in closing costs in 2024 — above the New York median of $6,440. The county saw 10,357 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, Island Federal Credit Union offered the lowest median costs at $3,262, which is $5,358 less than the county median.
Homebuyers in Suffolk County County who chose Island Federal Credit Union paid $7,321 less in closing costs than the county median.
County Median Costs
$10,583
+64.3% vs New York ($6,440)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$4,681
Purchase Originations
10,357
vs New York Median
64.3% above
$4,143
vs National Median
57.0% above
$3,842
Lender rankings in Suffolk County County
76 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,262 | 6.625% | $0 | 31 | −$5,358 | |
| 2 | $3,400 | 6.312% | $0 | 12 | −$5,220 | |
| 3 | $4,519 | 5.750% | $495 | 93 | −$4,101 | |
| 4 | $4,593 | 6.375% | $0 | 27 | −$4,027 | |
| 5 | $4,609 | 6.500% | $1,025 | 149 | −$4,011 | |
| 6 | $4,631 | 6.500% | $240 | 58 | −$3,989 | |
| 7 | $4,956 | 6.750% | $1,290 | 50 | −$3,664 | |
| 8 | $5,206 | 6.500% | $1,125 | 11 | −$3,414 | |
| 9 | $5,277 | 6.125% | $900 | 11 | −$3,343 | |
| 10 | $5,661 | 5.875% | $1,200 | 22 | −$2,959 | |
| 11 | $5,751 | 6.000% | $800 | 48 | −$2,869 | |
| 12 | $5,829 | 6.625% | $1,150 | 45 | −$2,791 | |
| 13 | $5,954 | 6.500% | $995 | 90 | −$2,666 | |
| 14 | $5,970 | 6.188% | $0 | 14 | −$2,650 | |
| 15 | $6,021 | 6.062% | $1,484 | 116 | −$2,599 | |
| 16 | $6,029 | 6.500% | $725 | 178 | −$2,591 | |
| 17 | $6,250 | 6.625% | $2,202 | 23 | −$2,370 | |
| 18 | $6,383 | 6.625% | $2,184 | 53 | −$2,237 | |
| 19 | $6,415 | 6.375% | $1,260 | 52 | −$2,205 | |
| 20 | $6,426 | 6.500% | $1,225 | 26 | −$2,194 | |
| 21 | $6,650 | 6.750% | $1,805 | 78 | −$1,970 | |
| 22 | $6,652 | 6.125% | $995 | 11 | −$1,968 | |
| 23 | $6,735 | 6.438% | $950 | 118 | −$1,885 | |
| 24 | $6,824 | 6.625% | $2,083 | 267 | −$1,796 | |
| 25 | $6,839 | 6.875% | $1,690 | 415 | −$1,781 | |
| 26 | $6,991 | 7.125% | $1,380 | 17 | −$1,629 | |
| 27 | $7,087 | 6.750% | $2,712 | 94 | −$1,533 | |
| 28 | $7,281 | 6.500% | $2,994 | 440 | −$1,339 | |
| 29 | $7,389 | 6.500% | $3,306 | 52 | −$1,231 | |
| 30 | $7,597 | 6.500% | $1,985 | 223 | −$1,023 | |
| 31 | $7,598 | 6.625% | $3,045 | 21 | −$1,022 | |
| 32 | $7,613 | 6.375% | $1,590 | 18 | −$1,007 | |
| 33 | $7,996 | 6.750% | $4,078 | 677 | −$624 | |
| 34 | $8,407 | 6.600% | $3,666 | 58 | −$213 | |
| 35 | $8,470 | 6.250% | $2,608 | 144 | −$150 | |
| 36 | $8,657 | 6.500% | $3,390 | 139 | +$37 | |
| 37 | $8,717 | 6.875% | $3,605 | 95 | +$97 | |
| 38 | $8,850 | 6.875% | $5,340 | 139 | +$230 | |
| 39 | $8,854 | 6.500% | $5,615 | 199 | +$234 | |
| 40 | $8,881 | 6.875% | $4,592 | 109 | +$261 | |
| 41 | $9,538 | 6.625% | $5,383 | 44 | +$918 | |
| 42 | $9,624 | 6.593% | $5,139 | 50 | +$1,004 | |
| 43 | $9,633 | 6.188% | $3,112 | 26 | +$1,013 | |
| 44 | $9,809 | 6.362% | $5,323 | 44 | +$1,189 | |
| 45 | $10,095 | 6.375% | $1,094 | 234 | +$1,475 | |
| 46 | $10,128 | 6.865% | $5,495 | 29 | +$1,508 | |
| 47 | $10,247 | 6.750% | $4,795 | 11 | +$1,627 | |
| 48 | $10,275 | 6.875% | $5,811 | 335 | +$1,655 | |
| 49 | $10,406 | 6.875% | $5,530 | 53 | +$1,786 | |
| 50 | $10,432 | 6.875% | $6,141 | 220 | +$1,812 | |
| 51 | $10,684 | 6.990% | $5,710 | 195 | +$2,064 | |
| 52 | $10,737 | 6.625% | $6,762 | 62 | +$2,117 | |
| 53 | $10,805 | 6.875% | $4,843 | 13 | +$2,185 | |
| 54 | $10,863 | 6.750% | $6,757 | 48 | +$2,243 | |
| 55 | $11,022 | 6.625% | $6,532 | 35 | +$2,402 | |
| 56 | $11,326 | 6.875% | $7,540 | 44 | +$2,706 | |
| 57 | $12,184 | 6.875% | $7,585 | 136 | +$3,564 | |
| 58 | $12,248 | 6.625% | $7,526 | 90 | +$3,628 | |
| 59 | $12,363 | 6.750% | $7,851 | 61 | +$3,743 | |
| 60 | $12,509 | 6.500% | $8,435 | 27 | +$3,889 | |
| 61 | $13,073 | 6.599% | $8,395 | 871 | +$4,453 | |
| 62 | $13,263 | 6.875% | $8,350 | 89 | +$4,643 | |
| 63 | $13,327 | 6.750% | $8,485 | 117 | +$4,707 | |
| 64 | $14,729 | 6.750% | $9,525 | 84 | +$6,109 | |
| 65 | $15,490 | 6.624% | $11,014 | 137 | +$6,870 | |
| 66 | $15,777 | 7.749% | $11,092 | 44 | +$7,157 | |
| 67 | $16,714 | 7.125% | $12,465 | 63 | +$8,094 | |
| 68 | $17,177 | 8.500% | $12,931 | 91 | +$8,557 | |
| 69 | $17,235 | 7.490% | $12,387 | 27 | +$8,615 | |
| 70 | $17,588 | 7.812% | $13,428 | 12 | +$8,968 | |
| 71 | $18,485 | 9.500% | $13,975 | 39 | +$9,865 | |
| 72 | $19,081 | 7.375% | $14,290 | 11 | +$10,461 | |
| 73 | $19,938 | 7.058% | $14,690 | 16 | +$11,318 |
Includes lenders with 10+ purchase originations in Suffolk 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.