What people paid for mortgages in Ulster County, NY (2025)

Across 1,154 closed home-purchase loans in 2025, the median interest rate in Ulster was 6.5%, and the middle half of borrowers got between 6.125% and 6.75%. Median total loan costs ran $5,499 on a median loan of $345,000. 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: $5,499
Median loan amount: $345,000

1,154 loans, 2025.

Refinance

Median rate: 6.5%
Middle half of rates: 5.99%–6.99%
Median total loan costs: $6,581
Median loan amount: $255,000

419 loans, 2025.

Lowest median rates in Ulster (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 UNION6.125%47 loans, median costs $3,681
2.JPMorgan Chase Bank, National Association6.125%30 loans, median costs $5,202
3.Manufacturers and Traders Trust Company6.375%42 loans, median costs $5,063
4.MID-HUDSON VALLEY Federal Credit Union6.375%40 loans, median costs $5,443
5.HOMESTEAD FUNDING CORP.6.433%128 loans, median costs $4,497

Among lenders with at least 30 closed purchase loans in Ulster County in 2025.

Refinance

1.Manufacturers and Traders Trust Company5.99%13 loans, median costs $6,441
2.Loandepot.Com, LLC5.99%10 loans, median costs $8,942
3.HUDSON VALLEY CREDIT UNION6.125%29 loans, median costs $3,268
4.HOMESTEAD FUNDING CORP.6.125%11 loans, median costs $4,928
5.NEWREZ LLC6.312%12 loans, median costs $9,252

Among lenders with at least 10 closed refinance loans in Ulster County in 2025. Fewer than 3 lenders reached 30 such loans here, so this list uses a 10-loan floor.

Lender by lender in Ulster

Every lender that closed at least 5 qualifying loans in Ulster 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	Ulster Savings Bank	144	6.5%	$3,944	$1,650	$2,331
2	HOMESTEAD FUNDING CORP.	128	6.433%	$4,497	$1,195	$1,200
3	CROSSCOUNTRY MORTGAGE, INC.	63	6.625%	$5,981	$1,967	$2,016
4	HUDSON VALLEY CREDIT UNION	47	6.125%	$3,681	$941	$1,466
5	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	46	6.5%	$7,820	$3,938	$2,309
6	PRIMELENDING, A PLAINSCAPITAL COMPANY	44	6.75%	$7,573	$3,060	$2,110
7	Wallkill Valley Federal Savings and Loan Association	43	n/a	n/a	n/a	n/a
8	Manufacturers and Traders Trust Company	42	6.375%	$5,063	$1,881	$1,130
9	MID-HUDSON VALLEY Federal Credit Union	40	6.375%	$5,443	$1,463	$3,576
10	Rocket Mortgage, LLC	40	6.625%	$7,672	$3,564	$2,942
11	NEWREZ LLC	36	6.438%	$8,795	$4,070	$2,717
12	JPMorgan Chase Bank, National Association	30	6.125%	$5,202	$1,782	$3,340
13	Rondout Savings Bank	25	n/a	n/a	n/a	n/a
14	Sawyer Savings Bank	20	n/a	n/a	n/a	n/a
15	1ST PRIORITY MORTGAGE, INC.	20	6.5%	$7,335	$2,944	$1,407
16	PENNYMAC LOAN SERVICES, LLC	20	6.75%	$6,531	$1,406	$2,328
17	Walden Savings Bank	19	n/a	n/a	n/a	n/a
18	Bank of America, National Association	18	6.375%	$5,479	$2,348	$2,305
19	HERITAGE FINANCIAL CREDIT UNION	17	6.125%	n/a	$915	n/a
20	TEG Federal Credit Union	13	6.5%	$5,135	$0	$401
21	Mortgage Research Center, LLC	11	6.25%	$7,051	$2,865	$896
22	PLAZA HOME MORTGAGE, INC.broker only	11	6.625%	$6,182	$671	$1,668
23	Valley National Bank	11	6.875%	$5,519	$1,395	$813
24	KeyBank National Association	10	6.562%	$4,710	$1,295	$1,906
25	PREMIUM MORTGAGE CORPORATION	9	6.375%	$4,790	$1,450	$1,020
26	Citizens Bank, National Association	9	6.375%	$8,277	$2,131	$1,925
27	HOMEBRIDGE FINANCIAL SERVICES, INC.	8	6.25%	$7,402	$1,596	$1,359
28	Prosperity Home Mortgage, LLC	8	6.812%	$8,475	$3,617	$2,385
29	TrustCo Bank	8	6.312%	$3,541	$1,694	n/a
30	Wells Fargo Bank, National Association	8	6.438%	$6,682	$1,980	$674
31	TD Bank, National Association	7	6%	$5,315	$950	$2,353
32	NATIONWIDE MORTGAGE BANKERS, INC.	7	7%	$8,181	$4,285	$4,259
33	Rhinebeck Bank	7	n/a	n/a	n/a	n/a
34	GUARANTEED RATE, INC.	7	6.75%	$5,315	$1,640	$1,897
35	21st Mortgage Corporation	7	10.32%	$7,889	$4,045	n/a
36	Sidney Federal Credit Union	6	5.75%	$4,872	$299	$4,080
37	Navy Federal Credit Union	6	6.25%	$5,476	$0	n/a
38	NBT Bank, National Association	6	6.438%	$5,469	$1,200	n/a
39	TOTAL MORTGAGE SERVICES, LLC	6	6.812%	$11,961	$6,256	$4,244
40	Loandepot.Com, LLC	5	6.25%	$12,271	$2,201	$2,172

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.

The one move that reliably saves money

Get more than one Loan Estimate. Every lender must give you one within 3 business days of your application, on the same standardized form, and cannot charge you more than a reasonable credit-report fee to do it. Collecting two or three makes the offers directly comparable, line by line.

Your Loan Estimate rights, in plain English

One way to start several lender conversations quickly: a marketplace like LendingTree sends one request to up to five lenders, who will call and email you. Any lender you go on to apply with must then issue the same standardized Loan Estimate, which is the document you compare line by line.

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What happens after you submit

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Common questions

What mortgage rate did people get in Ulster County in 2025?

The median interest rate on closed home-purchase loans in Ulster County, New York in 2025 was 6.5%, across 1,154 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.