Mortgage lending in Putnam County
1,878 mortgages were originated in Putnam 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
- 1,878
- Median rate
- 6.625%
- Median lender fees
- $6,206
- Median loan amount
- $310,000
- Median spread over APOR
- 0.201
- Paid discount points
- 32.4%
- Received lender credits
- 20.1%
- Purchases / refinances
- 49.5% / 24.4%
- Conventional / FHA / VA
- 91.5% / 6% / 2.4%
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 68.4% 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 Putnam County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| HUDSON VALLEY CREDIT UNION | 281 | — | 4.500% |
| Rocket Mortgage, LLC | 182 | $5,113 | 6.875% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 100 | $11,728 | 6.410% |
| JPMorgan Chase Bank, National Association | 90 | $6,749 | 6.490% |
| CROSSCOUNTRY MORTGAGE, INC. | 88 | $6,007 | 6.750% |
| Manufacturers and Traders Trust Company | 61 | — | 5.990% |
| NEWREZ LLC | 60 | $6,496 | 6.813% |
| Citizens Bank, National Association | 52 | — | 8.075% |
What lenders charged here
Lender fees on a $310,000 loan, based on what was actually charged in Putnam County — not a rule of thumb.
From 1,284 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