What people paid for mortgages in Dutchess County, NY (2025)
Across 1,999 closed home-purchase loans in 2025, the median interest rate in Dutchess was 6.5%, and the middle half of borrowers got between 6.125% and 6.875%. Median total loan costs ran $5,964 on a median loan of $385,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.5%
- Middle half of rates
- 6.125%–6.875%
- Median total loan costs
- $5,964
- Median loan amount
- $385,000
1,999 loans, 2025.
Refinance
- Median rate
- 6.25%
- Middle half of rates
- 5.875%–6.875%
- Median total loan costs
- $7,796
- Median loan amount
- $305,000
657 loans, 2025.
Lowest median rates in Dutchess (2025)
The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.
Home purchase
- 1.HUDSON VALLEY CREDIT UNION6.25%164 loans, median costs $3,494
- 2.Manufacturers and Traders Trust Company6.25%34 loans, median costs $5,362
- 3.JPMorgan Chase Bank, National Association6.375%95 loans, median costs $4,692
- 4.MID-HUDSON VALLEY Federal Credit Union6.375%45 loans, median costs $5,663
- 5.Rocket Mortgage, LLC6.483%100 loans, median costs $7,009
Among lenders with at least 30 closed purchase loans in Dutchess County in 2025.
Refinance
- 1.NBT Bank, National Association3.49%10 loans, median costs $6,573
- 2.HUDSON VALLEY CREDIT UNION5.5%84 loans, median costs $3,179
- 3.Loandepot.Com, LLC5.99%21 loans, median costs $7,887
- 4.NEWREZ LLC5.99%18 loans, median costs $11,042
- 5.Manufacturers and Traders Trust Company5.99%18 loans, median costs $4,293
Among lenders with at least 10 closed refinance loans in Dutchess County in 2025. Fewer than 3 lenders reached 30 such loans here, so this list uses a 10-loan floor.
Lender by lender in Dutchess
Every lender that closed at least 5 qualifying loans in Dutchess County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.
| # | Lender | Loans | Median rate | Median total costs | Median origination | Median points |
|---|---|---|---|---|---|---|
| 1 | HUDSON VALLEY CREDIT UNION | 164 | 6.25% | $3,494 | $782 | $1,038 |
| 2 | CROSSCOUNTRY MORTGAGE, INC. | 162 | 6.575% | $5,764 | $1,495 | $2,772 |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 141 | 6.499% | $10,722 | $4,907 | $2,283 |
| 4 | HOMESTEAD FUNDING CORP. | 122 | 6.495% | $4,795 | $1,195 | $1,547 |
| 5 | Rocket Mortgage, LLC | 100 | 6.483% | $7,009 | $3,352 | $3,145 |
| 6 | JPMorgan Chase Bank, National Association | 95 | 6.375% | $4,692 | $1,689 | $1,277 |
| 7 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 84 | 6.688% | $6,613 | $2,283 | $1,846 |
| 8 | PENNYMAC LOAN SERVICES, LLC | 74 | 6.625% | $6,829 | $1,480 | $1,962 |
| 9 | TEG Federal Credit Union | 64 | 6.5% | $3,812 | $0 | $1,112 |
| 10 | NEWREZ LLC | 59 | 6.5% | $8,800 | $2,957 | $2,012 |
| 11 | MID-HUDSON VALLEY Federal Credit Union | 45 | 6.375% | $5,663 | $350 | $2,620 |
| 12 | Prosperity Home Mortgage, LLC | 45 | 6.625% | $6,589 | $2,966 | $1,501 |
| 13 | Manufacturers and Traders Trust Company | 34 | 6.25% | $5,362 | $1,500 | $1,125 |
| 14 | TOTAL MORTGAGE SERVICES, LLC | 33 | 6.875% | $11,668 | $5,040 | $3,995 |
| 15 | Loandepot.Com, LLC | 31 | 6.5% | $6,749 | $2,000 | $1,301 |
| 16 | PLAZA HOME MORTGAGE, INC.broker only | 31 | 6.875% | $9,792 | $3,405 | $2,532 |
| 17 | NATIONWIDE MORTGAGE BANKERS, INC. | 30 | 6.995% | $9,278 | $6,219 | $4,229 |
| 18 | TOLL BROTHERS MORTGAGE COMPANY | 27 | 6.875% | $6,042 | $1,499 | $5,127 |
| 19 | KeyBank National Association | 27 | 6.5% | $5,108 | $1,420 | $751 |
| 20 | Ulster Savings Bank | 26 | 6.5% | $3,429 | $1,600 | $3,508 |
| 21 | Wells Fargo Bank, National Association | 25 | 6.5% | $6,744 | $1,871 | $1,988 |
| 22 | GUARANTEED RATE, INC. | 24 | 6.688% | $6,290 | $1,716 | $2,552 |
| 23 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 22 | 6.433% | $10,384 | $1,200 | $1,104 |
| 24 | Rhinebeck Bank | 19 | n/a | n/a | n/a | n/a |
| 25 | Citizens Bank, National Association | 19 | 6.625% | $10,061 | $1,350 | $4,200 |
| 26 | TD Bank, National Association | 17 | 6.125% | $5,507 | $1,295 | $432 |
| 27 | Navy Federal Credit Union | 17 | 6.5% | $5,353 | $534 | $629 |
| 28 | MOVEMENT MORTGAGE, LLC | 17 | 6.5% | $7,826 | $3,672 | $3,220 |
| 29 | TrustCo Bank | 17 | 6.25% | $3,830 | $1,694 | n/a |
| 30 | Bank of America, National Association | 17 | 6.25% | $4,846 | $1,107 | $907 |
| 31 | UNITED NORTHERN MORTGAGE BANKERS LIMITED | 15 | 6.49% | $8,997 | $4,261 | $3,477 |
| 32 | Mortgage Research Center, LLC | 14 | 6.25% | $10,384 | $600 | $1,676 |
| 33 | U.S. Bank National Association | 13 | 6.25% | $4,908 | $1,245 | $563 |
| 34 | Citibank, National Association | 11 | 6.375% | $5,939 | $1,090 | $606 |
| 35 | Valley National Bank | 11 | 6.75% | $5,218 | $1,395 | $1,121 |
| 36 | Tompkins Community Bank | 10 | 6.625% | $5,329 | $845 | n/a |
| 37 | Bank of Millbrook | 9 | n/a | n/a | n/a | n/a |
| 38 | INTERSTATE HOME LOAN CENTER, INC. | 9 | 6.375% | $18,255 | $10,395 | $9,171 |
| 39 | The Dart Bank | 9 | 6.375% | $6,503 | $1,724 | $1,545 |
| 40 | The Federal Savings Bank | 9 | 6.5% | $15,694 | $2,284 | $586 |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.
The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Dutchess figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Dutchess County in 2025?
The median interest rate on closed home-purchase loans in Dutchess County, New York in 2025 was 6.5%, across 1,999 first-lien, owner-occupied loans. The middle half of borrowers got between 6.125% and 6.875%.
Is this a rate I can get today?
No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.
Why do lenders in the table show different rates?
Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.
Where do these numbers come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.