Mortgage lending in Richmond County
5,382 mortgages were originated in Richmond 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
- 5,382
- Median rate
- 6.625%
- Median lender fees
- $8,973
- Median loan amount
- $435,000
- Median spread over APOR
- 0.302
- Paid discount points
- 33.4%
- Received lender credits
- 25.7%
- Purchases / refinances
- 59.3% / 23%
- Conventional / FHA / VA
- 93.2% / 5.6% / 1.1%
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 65.3% 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 Richmond County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 442 | $13,360 | 6.500% |
| Rocket Mortgage, LLC | 328 | $5,766 | 6.875% |
| JPMorgan Chase Bank, National Association | 315 | $7,080 | 6.375% |
| Citizens Bank, National Association | 282 | — | 8.150% |
| TD Bank, National Association | 258 | $1,713 | 7.890% |
| NEWREZ LLC | 195 | $9,276 | 6.500% |
| CROSSCOUNTRY MORTGAGE, INC. | 161 | $7,810 | 6.750% |
| PENNYMAC LOAN SERVICES, LLC | 149 | $9,109 | 6.499% |
| Municipal Credit Union | 127 | $395 | 6.875% |
| First Central Savings Bank | 127 | — | — |
What lenders charged here
Lender fees on a $435,000 loan, based on what was actually charged in Richmond County — not a rule of thumb.
From 3,514 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