What people paid for mortgages in Westchester County, NY (2025)
Across 6,202 closed home-purchase loans in 2025, the median interest rate in Westchester was 6.375%, and the middle half of borrowers got between 5.998% and 6.75%. Median total loan costs ran $7,160 on a median loan of $605,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.375%
- Middle half of rates
- 5.998%–6.75%
- Median total loan costs
- $7,160
- Median loan amount
- $605,000
6,202 loans, 2025.
Refinance
- Median rate
- 6.25%
- Middle half of rates
- 5.875%–6.875%
- Median total loan costs
- $7,926
- Median loan amount
- $510,000
1,410 loans, 2025.
Lowest median rates in Westchester (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 Association5.7%127 loans, median costs $6,287
- 2.UBS Bank USA5.75%34 loans, median costs $6,977
- 3.United Nations Federal Credit Union5.75%32 loans, median costs $5,440
- 4.Citibank, National Association5.875%293 loans, median costs $8,082
- 5.Bank of America, National Association5.875%216 loans, median costs $6,477
Among lenders with at least 30 closed purchase loans in Westchester County in 2025.
Refinance
- 1.Wells Fargo Bank, National Association5.625%48 loans, median costs $7,188
- 2.Citibank, National Association5.875%51 loans, median costs $6,640
- 3.Bank of America, National Association5.875%47 loans, median costs $5,493
- 4.Manufacturers and Traders Trust Company5.99%45 loans, median costs $7,208
- 5.JPMorgan Chase Bank, National Association6.125%145 loans, median costs $5,194
Among lenders with at least 30 closed refinance loans in Westchester County in 2025.
Lender by lender in Westchester
Every lender that closed at least 5 qualifying loans in Westchester 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 | JPMorgan Chase Bank, National Association | 778 | 6.375% | $5,729 | $2,032 | $2,216 |
| 2 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 494 | 6.5% | $12,831 | $6,807 | $3,041 |
| 3 | CROSSCOUNTRY MORTGAGE, INC. | 476 | 6.625% | $6,370 | $1,690 | $2,855 |
| 4 | Loandepot.Com, LLC | 307 | 6.575% | $5,848 | $1,590 | $1,614 |
| 5 | Rocket Mortgage, LLC | 305 | 6.5% | $6,293 | $3,018 | $2,200 |
| 6 | Wells Fargo Bank, National Association | 295 | 6% | $9,670 | $2,336 | $1,750 |
| 7 | Citibank, National Association | 293 | 5.875% | $8,082 | $1,090 | $1,974 |
| 8 | Bank of America, National Association | 216 | 5.875% | $6,477 | $1,430 | $2,018 |
| 9 | Citizens Bank, National Association | 200 | 6% | $13,319 | $1,350 | $2,931 |
| 10 | NEWREZ LLC | 161 | 6.625% | $9,107 | $4,345 | $2,637 |
| 11 | U.S. Bank National Association | 158 | 6.25% | $6,136 | $1,245 | $909 |
| 12 | PENNYMAC LOAN SERVICES, LLC | 134 | 6.499% | $13,019 | $6,005 | $1,702 |
| 13 | UNITED NORTHERN MORTGAGE BANKERS LIMITED | 128 | 6.625% | $6,912 | $3,309 | $3,614 |
| 14 | Morgan Stanley Private Bank, National Association | 127 | 5.7% | $6,287 | $800 | n/a |
| 15 | Prosperity Home Mortgage, LLC | 114 | 6.75% | $6,282 | $2,172 | $2,096 |
| 16 | TD Bank, National Association | 107 | 6.25% | $6,209 | $950 | $1,300 |
| 17 | GUARANTEED RATE, INC. | 69 | 6.475% | $7,256 | $1,640 | $1,651 |
| 18 | Manufacturers and Traders Trust Company | 62 | 6.125% | $6,322 | $1,500 | $1,363 |
| 19 | NATIONWIDE MORTGAGE BANKERS, INC. | 60 | 6.75% | $12,536 | $7,461 | $5,874 |
| 20 | PLAZA HOME MORTGAGE, INC.broker only | 59 | 6.625% | $8,969 | $5,290 | $1,967 |
| 21 | Webster Bank, National Association | 49 | 6.25% | $6,961 | $1,590 | $3,459 |
| 22 | CONTOUR MORTGAGE CORPORATION | 46 | 6.562% | $9,245 | $3,587 | $6,208 |
| 23 | 1ST PRIORITY MORTGAGE, INC. | 46 | 6.5% | $6,691 | $2,493 | $1,313 |
| 24 | CMG MORTGAGE, INC. | 44 | 6.25% | $9,199 | $2,767 | $3,712 |
| 25 | MOVEMENT MORTGAGE, LLC | 40 | 6.625% | $6,478 | $1,845 | $1,864 |
| 26 | HSBC BANK USA, NATIONAL ASSOCIATION | 38 | 6.014% | $6,074 | $1,291 | $870 |
| 27 | Municipal Credit Union | 38 | 6.062% | $3,572 | $0 | $713 |
| 28 | TrustCo Bank | 38 | 6.25% | $4,644 | $1,744 | n/a |
| 29 | The Dart Bank | 36 | 6.375% | $16,172 | $10,696 | $2,063 |
| 30 | UBS Bank USA | 34 | 5.75% | $6,977 | $995 | $938 |
| 31 | United Nations Federal Credit Union | 32 | 5.75% | $5,440 | $825 | $609 |
| 32 | WILLIAM RAVEIS MORTGAGE, LLC | 31 | 6.5% | $6,336 | $1,890 | $3,188 |
| 33 | EAST COAST CAPITAL CORP. | 31 | 6.875% | $13,966 | $7,869 | $6,500 |
| 34 | MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 30 | 7% | $13,250 | $8,553 | $6,716 |
| 35 | GREENWAY MORTGAGE FUNDING CORP. | 30 | 6.5% | $7,723 | $1,590 | $3,269 |
| 36 | HOMESTEAD FUNDING CORP. | 29 | 6.125% | $7,560 | $2,693 | $3,399 |
| 37 | Dime Community Bank | 28 | n/a | n/a | n/a | n/a |
| 38 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 27 | 6.75% | $14,213 | $7,607 | $3,716 |
| 39 | Fairway Independent Mortgage Corporation | 27 | 6.625% | $6,379 | $2,383 | $1,247 |
| 40 | Navy Federal Credit Union | 26 | 6% | $5,565 | $0 | $869 |
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 Westchester figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Westchester County in 2025?
The median interest rate on closed home-purchase loans in Westchester County, New York in 2025 was 6.375%, across 6,202 first-lien, owner-occupied loans. The middle half of borrowers got between 5.998% 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.