Lowest closing cost mortgage lenders in Westchester County County, New York
In Westchester County, New York, homebuyers paid a median of $7,105 in closing costs in 2024 — above the New York median of $6,440. The county saw 5,789 purchase mortgages at a median rate of 6.50%. Among lenders with 10+ originations, HUDSON VALLEY CREDIT UNION offered the lowest median costs at $4,230, which is $2,585 less than the county median.
Homebuyers in Westchester County County who chose HUDSON VALLEY CREDIT UNION paid $2,875 less in closing costs than the county median.
County Median Costs
$7,105
+10.3% vs New York ($6,440)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$2,157
Purchase Originations
5,789
vs New York Median
10.3% above
$665
vs National Median
5.4% above
$364
Lender rankings in Westchester County County
68 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,230 | 6.125% | $350 | 23 | −$2,585 | |
| 2 | $4,564 | 6.125% | $600 | 12 | −$2,251 | |
| 3 | $4,566 | 6.875% | $0 | 11 | −$2,249 | |
| 4 | $4,648 | 6.000% | $0 | 15 | −$2,167 | |
| 5 | $4,658 | 6.250% | $900 | 29 | −$2,157 | |
| 6 | $4,926 | 6.688% | $770 | 18 | −$1,889 | |
| 7 | $5,001 | 6.312% | $1,694 | 26 | −$1,814 | |
| 8 | $5,234 | 6.625% | $995 | 25 | −$1,581 | |
| 9 | $5,500 | 6.500% | $2,033 | 668 | −$1,315 | |
| 10 | $5,519 | 6.625% | $1,590 | 300 | −$1,296 | |
| 11 | $5,534 | 5.875% | $825 | 27 | −$1,281 | |
| 12 | $5,550 | 6.500% | $950 | 97 | −$1,265 | |
| 13 | $5,690 | 6.375% | $995 | 155 | −$1,125 | |
| 14 | $5,818 | 6.500% | $0 | 22 | −$997 | |
| 15 | $5,838 | 6.938% | $695 | 10 | −$977 | |
| 16 | $5,938 | 5.975% | $800 | 127 | −$877 | |
| 17 | $5,950 | 6.500% | $1,890 | 26 | −$865 | |
| 18 | $5,962 | 6.375% | $1,260 | 48 | −$853 | |
| 19 | $6,081 | 6.072% | $1,291 | 43 | −$734 | |
| 20 | $6,081 | 6.490% | $1,495 | 14 | −$734 | |
| 21 | $6,085 | 6.625% | $1,684 | 444 | −$730 | |
| 22 | $6,207 | 6.500% | $725 | 29 | −$608 | |
| 23 | $6,337 | 6.875% | $1,897 | 90 | −$478 | |
| 24 | $6,393 | 6.125% | $1,309 | 179 | −$422 | |
| 25 | $6,396 | 6.188% | $1,200 | 24 | −$419 | |
| 26 | $6,512 | 6.750% | $3,051 | 123 | −$303 | |
| 27 | $6,576 | 6.250% | $995 | 24 | −$239 | |
| 28 | $6,597 | 6.625% | $2,373 | 35 | −$218 | |
| 29 | $6,642 | 6.875% | $2,640 | 17 | −$173 | |
| 30 | $6,657 | 6.933% | $2,472 | 20 | −$158 | |
| 31 | $6,675 | 6.750% | $2,157 | 37 | −$140 | |
| 32 | $6,682 | 6.500% | $2,359 | 21 | −$133 | |
| 33 | $6,755 | 6.625% | $2,045 | 13 | −$60 | |
| 34 | $6,779 | 6.588% | $1,640 | 56 | −$36 | |
| 35 | $6,791 | 6.250% | $1,090 | 277 | −$24 | |
| 36 | $6,794 | 6.625% | $4,146 | 256 | −$21 | |
| 37 | $6,815 | 6.875% | $5,082 | 33 | +$0 | |
| 38 | $6,878 | 6.875% | $2,183 | 42 | +$63 | |
| 39 | $6,968 | 6.500% | $2,285 | 21 | +$153 | |
| 40 | $6,979 | 6.808% | $1,861 | 10 | +$164 | |
| 41 | $7,011 | 6.250% | $1,640 | 45 | +$196 | |
| 42 | $7,189 | 6.438% | $350 | 10 | +$374 | |
| 43 | $7,310 | 6.500% | $1,590 | 37 | +$495 | |
| 44 | $7,337 | 6.812% | $2,107 | 18 | +$522 | |
| 45 | $7,352 | 6.870% | $3,458 | 10 | +$537 | |
| 46 | $7,388 | 6.688% | $3,428 | 48 | +$573 | |
| 47 | $7,397 | 6.625% | $4,404 | 37 | +$582 | |
| 48 | $7,583 | 6.625% | $1,717 | 11 | +$768 | |
| 49 | $8,087 | 6.750% | $3,624 | 15 | +$1,272 | |
| 50 | $8,712 | 6.875% | $4,996 | 94 | +$1,897 | |
| 51 | $9,061 | 6.933% | $4,935 | 18 | +$2,246 | |
| 52 | $9,324 | 6.250% | $2,410 | 322 | +$2,509 | |
| 53 | $9,834 | 7.000% | $5,805 | 25 | +$3,019 | |
| 54 | $10,100 | 6.250% | $2,855 | 26 | +$3,285 | |
| 55 | $11,133 | 6.875% | $6,575 | 39 | +$4,318 | |
| 56 | $11,758 | 6.250% | $1,614 | 185 | +$4,943 | |
| 57 | $12,058 | 6.624% | $7,846 | 79 | +$5,243 | |
| 58 | $12,314 | 6.625% | $8,310 | 425 | +$5,499 | |
| 59 | $12,592 | 6.625% | $7,175 | 43 | +$5,777 | |
| 60 | $13,569 | 6.625% | $8,922 | 20 | +$6,754 | |
| 61 | $16,549 | 6.750% | $12,278 | 24 | +$9,734 | |
| 62 | $16,657 | 7.375% | $11,620 | 19 | +$9,842 | |
| 63 | $17,166 | 7.375% | $13,055 | 23 | +$10,351 | |
| 64 | $17,393 | 6.750% | $10,140 | 19 | +$10,578 | |
| 65 | $17,866 | 8.875% | $12,868 | 18 | +$11,051 | |
| 66 | $19,418 | 7.811% | $14,608 | 24 | +$12,603 | |
| 67 | $23,255 | 7.125% | $18,752 | 10 | +$16,440 |
Includes lenders with 10+ purchase originations in Westchester 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.