Mortgage lending in Kingston, NY
3,041 mortgages were originated in the Kingston, NY area in 2025, and here is what they cost.
30-year fixed, this week
7.32%
Freddie Mac's survey average for the week of October 22, 2026 — a year earlier it was 6.27%, and the past year ranged 5.98–7.40%. 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.
Who lent here
Lenders with at least 50 loans in the Kingston, NY area, 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% |