What people paid for mortgages in Suffolk County, NY (2025)
Across 10,533 closed home-purchase loans in 2025, the median interest rate in Suffolk was 6.5%, and the middle half of borrowers got between 6.125% and 6.75%. Median total loan costs ran $9,859 on a median loan of $555,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.5%
- Middle half of rates
- 6.125%–6.75%
- Median total loan costs
- $9,859
- Median loan amount
- $555,000
10,533 loans, 2025.
Refinance
- Median rate
- 6.375%
- Middle half of rates
- 5.99%–6.875%
- Median total loan costs
- $10,283
- Median loan amount
- $415,000
3,693 loans, 2025.
Lowest median rates in Suffolk (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.Morgan Stanley Private Bank, National Association5.688%76 loans, median costs $6,174
- 2.Valley National Bank5.75%65 loans, median costs $5,059
- 3.Bank of America, National Association5.875%123 loans, median costs $6,429
- 4.TEACHERS FEDERAL CREDIT UNION6%125 loans, median costs $4,834
- 5.Navy Federal Credit Union6%44 loans, median costs $6,273
Among lenders with at least 30 closed purchase loans in Suffolk County in 2025.
Refinance
- 1.PLANET HOME LENDING, LLC5.75%31 loans, median costs $7,904
- 2.Loandepot.Com, LLC5.99%79 loans, median costs $11,639
- 3.Manufacturers and Traders Trust Company5.99%76 loans, median costs $8,037
- 4.SUFFOLK5.99%46 loans, median costs $7,378
- 5.Bank of America, National Association5.99%43 loans, median costs $5,381
Among lenders with at least 30 closed refinance loans in Suffolk County in 2025.
Lender by lender in Suffolk
Every lender that closed at least 5 qualifying loans in Suffolk 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 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 1,306 | 6.375% | $15,172 | $8,205 | $2,935 |
| 2 | CONTOUR MORTGAGE CORPORATION | 770 | 6.625% | $8,099 | $1,985 | $4,267 |
| 3 | NATIONWIDE MORTGAGE BANKERS, INC. | 713 | 6.625% | $13,767 | $6,129 | $6,661 |
| 4 | JPMorgan Chase Bank, National Association | 541 | 6.375% | $6,945 | $2,597 | $2,744 |
| 5 | CROSSCOUNTRY MORTGAGE, INC. | 499 | 6.625% | $7,894 | $1,690 | $3,198 |
| 6 | UNITED MORTGAGE CORP. | 328 | 6.625% | $14,735 | $6,741 | $6,894 |
| 7 | CMG MORTGAGE, INC. | 305 | 6.375% | $9,484 | $2,012 | $3,168 |
| 8 | Citizens Bank, National Association | 243 | 6.25% | $10,610 | $1,350 | $2,273 |
| 9 | Rocket Mortgage, LLC | 242 | 6.375% | $10,052 | $5,429 | $3,844 |
| 10 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 240 | 6.5% | $7,283 | $1,845 | $3,400 |
| 11 | PENNYMAC LOAN SERVICES, LLC | 229 | 6.624% | $14,572 | $7,135 | $2,112 |
| 12 | CLIFFCO, INC. | 214 | 6.625% | $11,071 | $4,568 | $5,867 |
| 13 | INTERSTATE HOME LOAN CENTER, INC. | 212 | 6.625% | $16,353 | $8,559 | $8,752 |
| 14 | Broker Solutions, Inc. | 210 | 6.75% | $17,861 | $10,138 | $8,904 |
| 15 | EAST COAST CAPITAL CORP. | 184 | 6.5% | $17,145 | $6,392 | $5,440 |
| 16 | Bethpage Federal Credit Union | 170 | 6.375% | $6,455 | $725 | $1,935 |
| 17 | Citibank, National Association | 170 | 6.25% | $8,532 | $1,995 | $4,380 |
| 18 | NEWREZ LLC | 155 | 6.5% | $13,198 | $5,914 | $3,494 |
| 19 | RELIANT HOME FUNDING, INC | 136 | 6.625% | $8,352 | $3,243 | $2,457 |
| 20 | Wells Fargo Bank, National Association | 133 | 6.125% | $8,301 | $2,301 | $2,560 |
| 21 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 131 | 6.625% | $9,687 | $4,274 | $3,545 |
| 22 | MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 130 | 6.625% | $15,243 | $8,000 | $7,916 |
| 23 | TEACHERS FEDERAL CREDIT UNION | 125 | 6% | $4,834 | $1,025 | $600 |
| 24 | Bank of America, National Association | 123 | 5.875% | $6,429 | $1,434 | $3,396 |
| 25 | Fairway Independent Mortgage Corporation | 116 | 6.625% | $13,503 | $7,759 | $7,140 |
| 26 | TD Bank, National Association | 114 | 6.312% | $6,942 | $1,765 | $1,700 |
| 27 | EMBRACE HOME LOANS, INC. | 101 | 6.5% | $7,008 | $1,790 | $1,117 |
| 28 | JET DIRECT FUNDING CORP | 94 | 6.625% | $13,673 | $7,690 | $3,820 |
| 29 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 91 | 6.5% | $15,186 | $8,914 | $3,952 |
| 30 | U.S. Bank National Association | 85 | 6.25% | $6,459 | $1,245 | $968 |
| 31 | Manufacturers and Traders Trust Company | 85 | 6.2% | $6,521 | $1,260 | $1,141 |
| 32 | HARTFORD FUNDING, LTD. | 80 | 6.687% | $13,588 | $7,507 | $6,131 |
| 33 | Quontic Bank | 77 | 7.125% | $19,930 | $13,415 | $5,616 |
| 34 | MID-ISLAND MORTGAGE CORP. | 77 | 6.49% | $4,844 | $0 | $3,964 |
| 35 | Morgan Stanley Private Bank, National Association | 76 | 5.688% | $6,174 | $800 | n/a |
| 36 | Loandepot.Com, LLC | 75 | 6.575% | $7,139 | $2,000 | $1,769 |
| 37 | SUFFOLK | 72 | 6.25% | $5,704 | $1,850 | $2,610 |
| 38 | UNITED NORTHERN MORTGAGE BANKERS LIMITED | 70 | 6.624% | $8,309 | $2,661 | $3,695 |
| 39 | PLAZA HOME MORTGAGE, INC.broker only | 67 | 6.875% | $15,900 | $7,889 | $3,940 |
| 40 | CONTINENTAL MORTGAGE BANKERS, INC. | 65 | 6.625% | $9,916 | $5,982 | $4,510 |
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 Suffolk figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Suffolk County in 2025?
The median interest rate on closed home-purchase loans in Suffolk County, New York in 2025 was 6.5%, across 10,533 first-lien, owner-occupied loans. The middle half of borrowers got between 6.125% and 6.75%.
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.