Mortgage lending in Rockland County
4,849 mortgages were originated in Rockland County, New York, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. 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
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $455,000
- Above the going rate (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
- Median home price
- $996,000
- That home, 20% down
- $796,800
A median-priced home with 20% down leaves $412,950 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
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
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
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, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers