Lowest closing cost mortgage lenders in Ulster County County, New York
In Ulster County, New York, homebuyers paid a median of $5,735 in closing costs in 2024 — below the New York median of $6,440. The county saw 904 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, HUDSON VALLEY CREDIT UNION offered the lowest median costs at $3,735, which is $1,707 less than the county median.
Homebuyers in Ulster County County who chose HUDSON VALLEY CREDIT UNION paid $2,000 less in closing costs than the county median.
County Median Costs
$5,735
−10.9% vs New York ($6,440)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$2,046
Purchase Originations
904
vs New York Median
10.9% below
$-705
vs National Median
14.9% below
$-1,006
Lender rankings in Ulster County County
16 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,735 | 6.375% | $977 | 47 | −$1,707 | |
| 2 | $3,994 | 6.750% | $2,234 | 109 | −$1,448 | |
| 3 | $4,003 | 6.875% | $550 | 17 | −$1,439 | |
| 4 | $4,079 | 6.125% | $947 | 12 | −$1,363 | |
| 5 | $4,204 | 6.500% | $1,400 | 11 | −$1,238 | |
| 6 | $4,268 | 6.500% | $995 | 107 | −$1,174 | |
| 7 | $4,486 | 6.625% | $1,582 | 46 | −$956 | |
| 8 | $4,977 | 6.490% | $2,276 | 31 | −$465 | |
| 9 | $5,183 | 6.875% | $2,053 | 30 | −$259 | |
| 10 | $5,378 | 6.625% | $1,395 | 15 | −$64 | |
| 11 | $5,646 | 6.500% | $1,452 | 28 | +$204 | |
| 12 | $5,760 | 6.588% | $1,640 | 12 | +$318 | |
| 13 | $6,670 | 6.625% | $4,440 | 32 | +$1,228 | |
| 14 | $7,900 | 6.625% | $4,074 | 68 | +$2,458 | |
| 15 | $10,039 | 6.625% | $6,874 | 13 | +$4,597 | |
| 16 | $10,480 | 6.625% | $6,188 | 47 | +$5,038 |
Includes lenders with 10+ purchase originations in Ulster County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in New York → Lender Directory
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, 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.