Homebuyers in Dutchess County County who chose Ulster Savings Bank paid $2,539 less in closing costs than the county median.
County Median Costs
$5,968
−6.8% vs New York ($6,400)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$1,756
Purchase Originations
1,871
Denial Rate
9.0%
vs New York avg (8.5%)
vs New York Median
6.8% below
$-432
vs National Median
10.7% below
$-712
34 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,429 | 6.500% | $1,600 | 26 | −$2,187 | |
| 2 | $3,489 | 6.250% | $775 | 161 | −$2,127 | |
| 3 | $3,830 | 6.250% | $1,694 | 17 | −$1,786 | |
| 4 | $3,923 | 6.500% | $0 | 59 | −$1,693 | |
| 5 | $4,036 | 6.062% | $1,107 | 12 | −$1,580 | |
| 6 | $4,653 | 6.500% | $1,195 | 114 | −$963 | |
| 7 | $4,692 | 6.375% | $1,694 | 93 | −$924 | |
| 8 | $4,908 | 6.250% | $1,245 | 13 | −$708 | |
| 9 | $5,052 | 6.500% | $1,420 | 26 | −$564 | |
| 10 | $5,218 | 6.750% | $1,395 | 11 | −$398 | |
| 11 | $5,314 | 6.188% | $1,500 | 24 | −$302 | |
| 12 | $5,413 | 6.575% | $1,390 | 137 | −$203 | |
| 13 | $5,418 | 6.750% | $534 | 13 | −$198 | |
| 14 | $5,507 | 6.125% | $1,295 | 17 | −$109 | |
| 15 | $5,663 | 6.375% | $350 | 45 | +$47 | |
| 16 | $5,800 | 6.600% | $1,929 | 22 | +$184 | |
| 17 | $5,939 | 6.375% | $1,090 | 11 | +$323 | |
| 18 | $6,042 | 6.875% | $1,499 | 27 | +$426 | |
| 19 | $6,290 | 6.750% | $1,801 | 22 | +$674 | |
| 20 | $6,323 | 6.625% | $2,966 | 43 | +$707 | |
| 21 | $6,337 | 6.750% | $1,749 | 58 | +$721 | |
| 22 | $6,384 | 6.875% | $2,983 | 23 | +$768 | |
| 23 | $6,504 | 6.750% | $2,195 | 72 | +$888 | |
| 24 | $6,533 | 6.250% | $3,118 | 14 | +$917 | |
| 25 | $6,832 | 6.500% | $3,658 | 88 | +$1,216 |
Includes lenders with 10+ purchase originations in Dutchess County County. Source: HMDA 2025. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in New York → Lender Directory
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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.