Mortgage lending in Ulster County
3,041 mortgages were originated in Ulster 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
- 3,041
- Median rate
- 6.750%
- Median lender fees
- $4,917
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
- $255,000
- Above the going rate (spread over APOR)
- 0.275
- Paid discount points
- 29.8%
- Received lender credits
- 17.7%
- Purchases / refinances
- 46.8% / 27.3%
- Conventional / FHA / VA
- 93.3% / 4.7% / 1.9%
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 62.7% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $393,000
- That home, 20% down
- $314,400
A median-priced home with 20% down leaves $518,350 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. 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 Ulster County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Hudson Valley Credit Union | 416 | — | 5.875% |
| Ulster Savings Bank | 302 | $3,025 | 6.750% |
| MID-HUDSON VALLEY Federal Credit Union | 258 | $683 | 7.000% |
| Rocket Mortgage, LLC | 223 | $6,314 | 6.750% |
| Homestead Funding Corp. | 154 | $4,535 | 6.490% |
| Manufacturers and Traders Trust Company | 122 | $5,154 | 5.990% |
| Citizens Bank, National Association | 97 | — | 8.150% |
| Crosscountry Mortgage, Inc. | 83 | $5,782 | 6.740% |
| United Shore Financial Services, LLC | 66 | $9,532 | 6.500% |
| Newrez LLC | 60 | $8,421 | 6.625% |
What lenders charged here
Lender fees on a $255,000 loan, based on what was actually charged in Ulster County — not a rule of thumb.
From 1,906 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