Mortgage lending in Dutchess County
5,064 mortgages were originated in Dutchess 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
- 5,064
- Median rate
- 6.624%
- Median lender fees
- $5,331
- Median loan amount
- $255,000
- Median spread over APOR
- 0.192
- Paid discount points
- 30.6%
- Received lender credits
- 16.5%
- Purchases / refinances
- 45.2% / 25.6%
- Conventional / FHA / VA
- 91.8% / 6% / 2.1%
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 64.2% 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 Dutchess County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| HUDSON VALLEY CREDIT UNION | 1,306 | — | 4.500% |
| Rocket Mortgage, LLC | 383 | $5,574 | 6.875% |
| CROSSCOUNTRY MORTGAGE, INC. | 204 | $5,975 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 176 | $11,033 | 6.428% |
| Citizens Bank, National Association | 167 | — | 8.150% |
| MID-HUDSON VALLEY Federal Credit Union | 166 | $3,816 | 7.000% |
| JPMorgan Chase Bank, National Association | 153 | $4,820 | 6.375% |
| Manufacturers and Traders Trust Company | 149 | — | 5.990% |
| HOMESTEAD FUNDING CORP. | 142 | $4,829 | 6.500% |
| NEWREZ LLC | 109 | $6,936 | 6.625% |
What lenders charged here
Lender fees on a $255,000 loan, based on what was actually charged in Dutchess County — not a rule of thumb.
From 3,249 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