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NY Leads US with 2% Refinance Closing Costs

5/17/2026

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Story summary
  • LodeStar reported New York has highest refinance closing costs at 2.06% of the loan.
  • The average refinance loan is $330,622 with $2,207 in closing costs, 0.67% of the loan.
  • New York’s closing costs total $10,553, double Florida’s $5,250 (1.36% of the loan).
  • Refinance applications fell 4.4% for the week ending May 8 but rose 14.9% year-over-year.
  • The 30-year fixed-rate mortgage was 6.36% on May 14, down from 6.81% earlier.