Mortgage lending in Rockland County
4,849 mortgages were originated in Rockland 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
- 4,849
- Median rate
- 6.875%
- Median lender fees
- $7,054
- Median loan amount
- $455,000
- Median spread over APOR
- 0.343
- Paid discount points
- 27.2%
- Received lender credits
- 23.2%
- Purchases / refinances
- 53.2% / 28.2%
- Conventional / FHA / VA
- 95.1% / 3.7% / 1.3%
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 56.6% 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 Rockland County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 364 | $12,313 | 6.874% |
| CROSSCOUNTRY MORTGAGE, INC. | 303 | $7,238 | 6.875% |
| Citizens Bank, National Association | 281 | — | 8.150% |
| Rocket Mortgage, LLC | 259 | $4,133 | 7.125% |
| NORWICH COMMERCIAL GROUP, INC. | 237 | $7,439 | 6.875% |
| GUARANTEED RATE, INC. | 215 | $6,365 | 6.500% |
| FM Home Loans, LLC | 189 | $5,664 | 6.625% |
| TD Bank, National Association | 175 | — | 7.690% |
| JPMorgan Chase Bank, National Association | 160 | $5,803 | 6.490% |
| ARK MORTGAGE, INC. | 147 | $11,640 | 7.500% |
What lenders charged here
Lender fees on a $455,000 loan, based on what was actually charged in Rockland County — not a rule of thumb.
From 2,744 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