Lender in New York · HMDA 2025
Ulster Savings Bank mortgages in New York
Ulster Savings Bank's 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Ulster Savings Bank originated 269 owner-occupied single-family loans in New York from 293 completed applications.
Its median conventional purchase loan costs were $4,150 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.625% (New York: 6.50%).
Loans in NY
269
of 293 applications
Denial rate
3.2%
Purchase · NY 9.5%
Rate spread
−0.01 pts
Conv. · NY +0.07 pts
Loan amount
$335,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 248 | 230 | 3.2% | 6.625% | −0.01 pts | $4,150 | $335,000 |
| Refinance | 14 | 14 | — | — | — | — | — |
| Cash-out refinance | 31 | 25 | 19.4% | — | +0.09 pts | $4,000 | $245,000 |
*Conventional loans only; medians with at least 20 loans.
New York counties where Ulster Savings Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Ulster County | 1 | 167 | 11.5% |
| Delaware County | 8 | 7 | 2.7% |
| Greene County | 9 | 9 | 2.4% |
| Sullivan County | 11 | 13 | 2.1% |
| Dutchess County | 20 | 28 | 1.1% |
| Columbia County | 25 | 4 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology