Mortgage lending in Westchester County
12,210 mortgages were originated in Westchester 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
- 12,210
- Median rate
- 6.624%
- Median lender fees
- $6,887
- Median loan amount
- $455,000
- Median spread over APOR
- 0.127
- Paid discount points
- 30.4%
- Received lender credits
- 27.5%
- Purchases / refinances
- 56.1% / 24%
- Conventional / FHA / VA
- 95.3% / 3.7% / 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 68% 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 Westchester County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| JPMorgan Chase Bank, National Association | 1,093 | $5,667 | 6.375% |
| Citizens Bank, National Association | 898 | $12,586 | 7.900% |
| Rocket Mortgage, LLC | 815 | $5,134 | 6.875% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 645 | $12,971 | 6.500% |
| CROSSCOUNTRY MORTGAGE, INC. | 577 | $6,425 | 6.740% |
| Bank of America, National Association | 521 | $6,384 | 5.990% |
| Citibank, National Association | 507 | $7,887 | 6.125% |
| Loandepot.Com, LLC | 459 | $5,579 | 6.625% |
| TD Bank, National Association | 438 | $5,757 | 7.690% |
| HUDSON VALLEY CREDIT UNION | 366 | — | 4.500% |
What lenders charged here
Lender fees on a $455,000 loan, based on what was actually charged in Westchester County — not a rule of thumb.
From 8,297 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