Mortgage lending in New York County
7,521 mortgages were originated in New York 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
- 7,521
- Median rate
- 6.125%
- Median lender fees
- $5,983
- Median loan amount
- $755,000
- Median spread over APOR
- -0.140
- Paid discount points
- 25.3%
- Received lender credits
- 41.7%
- Purchases / refinances
- 72.1% / 20.4%
- Conventional / FHA / VA
- 99.9% / 0.1% / 0.1%
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 78.6% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,209,750
- FHA limit
- $1,249,125
This is a high-cost area: loans above $832,750 are still agency-backed here, as high-balance, where a plain conforming loan would stop. How limits work
Who lent here
Lenders with at least 50 loans in New York County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| JPMorgan Chase Bank, National Association | 1,241 | $5,784 | 6.000% |
| Citibank, National Association | 823 | $5,323 | 6.000% |
| Citizens Bank, National Association | 698 | $8,212 | 6.125% |
| Wells Fargo Bank, National Association | 665 | $6,198 | 5.875% |
| Bank of America, National Association | 325 | $6,102 | 5.500% |
| CROSSCOUNTRY MORTGAGE, INC. | 292 | $5,465 | 6.740% |
| TD Bank, National Association | 266 | $4,843 | 6.125% |
| Morgan Stanley Private Bank, National Association | 259 | $5,225 | 5.750% |
| U.S. Bank National Association | 253 | $5,098 | 6.000% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 192 | $6,654 | 5.995% |
What lenders charged here
Lender fees on a $755,000 loan, based on what was actually charged in New York County — not a rule of thumb.
From 5,915 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