Mortgage lending in Kiryas Joel-Poughkeepsie-Newburgh, NY
12,244 mortgages were originated in the Kiryas Joel-Poughkeepsie-Newburgh, NY area in 2025, and here is what they cost.
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
- 12,244
- Median rate
- 6.750%
- Median lender fees
- $5,840
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
- $285,000
- Above the going rate (spread over APOR)
- 0.310
- Paid discount points
- 30.9%
- Received lender credits
- 17.8%
- Purchases / refinances
- 47.4% / 26.9%
- Conventional / FHA / VA
- 90.7% / 6.6% / 2.7%
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 61.8% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Kiryas Joel-Poughkeepsie-Newburgh, NY area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Hudson Valley Credit Union | 2,195 | — | 4.875% |
| Rocket Mortgage, LLC | 942 | $6,127 | 6.875% |
| United Shore Financial Services, LLC | 628 | $10,340 | 6.624% |
| Crosscountry Mortgage, Inc. | 512 | $6,455 | 6.714% |
| Citizens Bank, National Association | 446 | — | 8.400% |
| Norwich Commercial Group, Inc. | 336 | $7,958 | 7.000% |
| JPMorgan Chase Bank, National Association | 313 | $5,111 | 6.490% |
| Homestead Funding Corp. | 304 | $4,846 | 6.500% |
| Newrez LLC | 300 | $7,085 | 6.750% |
| Manufacturers and Traders Trust Company | 297 | $5,345 | 5.990% |