Mortgage lending in New York-Jersey City-White Plains, NY-NJ
92,274 mortgages were originated in the New York-Jersey City-White Plains, NY-NJ 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
- 92,274
- Median rate
- 6.625%
- Median lender fees
- $7,489
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
- $495,000
- Above the going rate (spread over APOR)
- 0.163
- Paid discount points
- 29.6%
- Received lender credits
- 26.9%
- Purchases / refinances
- 56.4% / 27.1%
- Conventional / FHA / VA
- 93.5% / 5.5% / 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 64.3% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the New York-Jersey City-White Plains, NY-NJ area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| JPMorgan Chase Bank, National Association | 6,670 | $5,981 | 6.250% |
| Citizens Bank, National Association | 5,431 | $9,780 | 7.500% |
| United Shore Financial Services, LLC | 5,086 | $13,499 | 6.500% |
| Rocket Mortgage, LLC | 4,686 | $5,917 | 6.750% |
| Crosscountry Mortgage, Inc. | 3,814 | $7,437 | 6.740% |
| TD Bank, National Association | 3,694 | $5,176 | 7.340% |
| Citibank, National Association | 2,937 | $6,784 | 6.125% |
| Bank of America, National Association | 2,635 | $6,533 | 5.990% |
| Loandepot.Com, LLC | 2,237 | $5,820 | 6.575% |
| Wells Fargo Bank, National Association | 2,097 | $7,553 | 6.000% |