Purchase Originations
227
Median Total Costs
$4,063
−39.2% vs national ($6,680)
↓ $109 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$2,158
Median Lender Credits
$750
Denial Rate
4.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 226 | 6.500% | $4,060 | $2,221 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 227 | 6.500% | $4,063 | #79 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,390 | 6.375% | — | 25 | −$673 | |
| 2 | $3,429 | 6.500% | — | 26 | −$634 | |
| 3 | $3,706 | 6.562% | — | 8 | −$357 | |
| 4 | $3,944 | 6.500% | — | 139 | −$119 | |
| 5 | $4,628 | 6.500% | — | 10 | +$565 | |
| 6 | $4,839 | 6.125% | — | 4 | +$776 | |
| 7 | $6,488 | 6.125% | — | 1 | +$2,425 | |
| 8 | $8,792 | 6.125% | — | 7 | +$4,729 | |
| 9 | $9,268 | 6.250% | — | 4 | +$5,205 | |
| 10 | $9,601 | 5.625% | — | 1 | +$5,538 | |
| 11 | $16,057 | 6.000% | — | 1 | +$11,994 | |
| 12 | $22,118 | 7.125% | — | 1 | +$18,055 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Ulster Savings Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $335,000 | $335,000 | +$0 (+0.0%) |
| Median total closing costs | $4,063 | $7,127 | −$3,064 (−43.0%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.