Homebuyers in Westchester County County who chose Municipal Credit Union paid $3,587 less in closing costs than the county median.
County Median Costs
$7,159
+11.9% vs New York ($6,400)
Median Rate
6.380%
−1.7% vs national (6.490%)
Median Origination
$1,976
Purchase Originations
6,069
Denial Rate
6.9%
vs New York avg (8.5%)
vs New York Median
11.9% above
$759
vs National Median
7.2% above
$479
69 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,572 | 6.062% | $0 | 38 | −$3,335 | |
| 2 | $3,900 | 6.750% | $499 | 14 | −$3,007 | |
| 3 | $3,963 | 5.750% | $350 | 20 | −$2,944 | |
| 4 | $4,638 | 6.375% | $725 | 14 | −$2,269 | |
| 5 | $4,644 | 6.250% | $1,744 | 38 | −$2,263 | |
| 6 | $4,974 | 6.438% | $600 | 14 | −$1,933 | |
| 7 | $5,145 | 6.312% | $0 | 14 | −$1,762 | |
| 8 | $5,440 | 5.750% | $825 | 32 | −$1,467 | |
| 9 | $5,727 | 6.375% | $2,032 | 768 | −$1,180 | |
| 10 | $5,772 | 6.575% | $1,590 | 289 | −$1,135 | |
| 11 | $5,890 | 6.500% | $1,420 | 11 | −$1,017 | |
| 12 | $5,938 | 5.460% | $1,550 | 15 | −$969 | |
| 13 | $6,074 | 6.014% | $1,291 | 38 | −$833 | |
| 14 | $6,119 | 6.625% | $3,259 | 111 | −$788 | |
| 15 | $6,128 | 6.250% | $1,245 | 157 | −$779 | |
| 16 | $6,182 | 6.688% | $1,825 | 10 | −$725 | |
| 17 | $6,199 | 6.625% | $1,611 | 442 | −$708 | |
| 18 | $6,209 | 6.250% | $950 | 103 | −$698 | |
| 19 | $6,215 | 6.625% | $3,009 | 292 | −$692 | |
| 20 | $6,222 | 5.938% | $1,500 | 50 | −$685 | |
| 21 | $6,231 | 6.750% | $2,172 | 112 | −$676 | |
| 22 | $6,260 | 6.625% | $1,945 | 37 | −$647 | |
| 23 | $6,287 | 5.700% | $800 | 127 | −$620 | |
| 24 | $6,300 | 6.500% | $1,640 | 21 | −$607 | |
| 25 | $6,336 | 6.500% | $1,890 | 31 | −$571 |
Includes lenders with 10+ purchase originations in Westchester 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.