Mortgage lending in Columbia County
1,160 mortgages were originated in Columbia County, New York, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,160
- Median rate
- 6.624%
- Median lender fees
- $5,072
- Median loan amount
- $245,000
- Median spread over APOR
- 0.239
- Paid discount points
- 24.4%
- Received lender credits
- 18%
- Purchases / refinances
- 42.7% / 24.3%
- Conventional / FHA / VA
- 94.1% / 4.3% / 1.5%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 60.4% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Columbia County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| HOMESTEAD FUNDING CORP. | 126 | $4,985 | 6.500% |
| The Bank of Greene County | 115 | — | 7.000% |
| Broadview Federal Credit Union | 97 | — | 5.750% |
| Rocket Mortgage, LLC | 79 | $5,924 | 6.990% |
| HUDSON VALLEY CREDIT UNION | 62 | — | 4.500% |
What lenders charged here
Lender fees on a $245,000 loan, based on what was actually charged in Columbia County — not a rule of thumb.
From 701 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers