Hudson Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Hudson averaged
6.88%
for the week of 2025-05-08, compared to the national average of
6.76% for the same period.
The average rate for the prior week (2025-05-01) was
6.88% and
one month ago for the week of 2025-04-03, the
average rate was 6.66%.
Hudson's average rate one year ago was 7.34%.
For refis of the same type during the week of 2025-05-08, the average rate
was 7.16%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-08 | 6.76% |
| Hudson 30 Year Fixed Rate | 2025-05-08 | 6.88% |
| Hudson 30 Year Fixed Rate Refi | 2025-05-08 | 7.16% |
| Hudson 15 Year Fixed Rate | 2025-05-08 | 5.89% |
| Hudson 15 Year Fixed Rate Refi | 2025-05-08 | 5.99% |
| Hudson 30 Year FHA | 2025-05-08 | 6.48% |
| Hudson 30 Year FHA Refi | 2025-05-08 | 6.58% |
| Hudson 30 Year USDA | 2025-05-08 | 6.37% |
| Hudson 30 Year USDA Refi | 2025-05-08 | 6.67% |
| Hudson 30 Year VA | 2025-05-08 | 6.47% |
| Hudson 30 Year VA Refi | 2025-05-08 | 6.47% |
Hudson Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Hudson, NY market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
Hudson Average Closing Costs & Other Stats
Hudson, NY's 80 lenders originated 955
loans during 2024. The total origination value was $290,305,000, with an average loan value of
$303,984.
Hudson's average closing costs are $5,518.
The top Hudson lender as defined by loan originations is HOMESTEAD FUNDING CORP., with
84 loans originated. Their average total fees are
$4,855, which is $103
higher than the next largest lender,
KeyBank.
The lowest fee Hudson lenders (with over 10 loans originated) are
SEFCU SERVICES, LLC ($4,073), KeyBank ($4,752), HOMESTEAD FUNDING CORP. ($4,855), CROSSCOUNTRY MORTGAGE, LLC ($5,773) and GUARANTEED RATE, INC. ($6,066).
The lowest rate Hudson lenders (with over 10 loans originated) are
SEFCU SERVICES, LLC (5.90%), HOMESTEAD FUNDING CORP. (6.52%), JPMorgan Chase Bank (6.53%), The Bank of Greene County (6.55%) and KeyBank (6.63%).
Hudson, NY Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| HOMESTEAD FUNDING CORP. | $34,570,000 | $39,435,000 | 14.1% | 13.6% |
| The Bank of Greene County | $22,040,000 | $21,955,000 | -0.4% | 7.6% |
| QUICKEN LOANS, LLC | $10,780,000 | $15,915,000 | 47.6% | 5.5% |
| GUARANTEED RATE, INC. | $18,490,000 | $13,970,000 | -24.4% | 4.8% |
| KeyBank | $8,165,000 | $10,565,000 | 29.4% | 3.6% |
| JPMorgan Chase Bank | $7,230,000 | $10,010,000 | 38.5% | 3.4% |
| Citibank | $3,215,000 | $9,170,000 | 185.2% | 3.2% |
| UNITED WHOLESALE MORTGAGE, LLC | $4,210,000 | $8,225,000 | 95.4% | 2.8% |
| STATE EMPLOYEES FEDERAL CREDIT UNION | $6,700,000 | $7,715,000 | 15.1% | 2.7% |
| Citizens Bank | $5,655,000 | $7,505,000 | 32.7% | 2.6% |
| Morgan Stanley Private Bank | $1,510,000 | $6,525,000 | 332.1% | 2.2% |
| Bank of America | $5,765,000 | $5,870,000 | 1.8% | 2.0% |
| HUDSON VALLEY CREDIT UNION | $4,050,000 | $5,520,000 | 36.3% | 1.9% |
| GREYLOCK | $5,550,000 | $5,450,000 | -1.8% | 1.9% |
| CROSSCOUNTRY MORTGAGE, LLC | $3,305,000 | $5,380,000 | 62.8% | 1.9% |
| TD Bank | $2,845,000 | $5,360,000 | 88.4% | 1.8% |
| NBT Bank | $3,640,000 | $5,345,000 | 46.8% | 1.8% |
| TrustCo Bank | $5,720,000 | $5,285,000 | -7.6% | 1.8% |
| Wells Fargo Bank | $4,345,000 | $5,050,000 | 16.2% | 1.7% |
| SUNMARK FEDERAL CREDIT UNION | $5,120,000 | $4,935,000 | -3.6% | 1.7% |
| SEFCU SERVICES, LLC | $6,695,000 | $4,400,000 | -34.3% | 1.5% |
| Community Bank | $4,150,000 | $4,070,000 | -1.9% | 1.4% |
| Farm Credit East, ACA | $3,040,000 | $3,955,000 | 30.1% | 1.4% |
| Rhinebeck Bank | $2,710,000 | $3,005,000 | 10.9% | 1.0% |
| UBS Bank USA | $2,855,000 | n/a | 1.0% | |
| WALKER & DUNLOP, LLC | $2,825,000 | n/a | 1.0% | |
| M&T Bank | $2,225,000 | $2,800,000 | 25.8% | 1.0% |
| Berkshire Bank | $3,560,000 | $2,670,000 | -25.0% | 0.9% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $3,430,000 | $2,370,000 | -30.9% | 0.8% |
| MID-HUDSON VALLEY | $1,145,000 | $2,315,000 | 102.2% | 0.8% |
| Webster Bank | $2,305,000 | n/a | 0.8% | |
| U.S. Bank | $6,285,000 | $1,870,000 | -70.2% | 0.6% |
| NAVY FEDERAL CREDIT UNION | $970,000 | $1,750,000 | 80.4% | 0.6% |
| Adams Community Bank | $910,000 | $1,635,000 | 79.7% | 0.6% |
| Pioneer Bank | $2,625,000 | $1,545,000 | -41.1% | 0.5% |
| NEWREZ LLC | $2,405,000 | $1,495,000 | -37.8% | 0.5% |
| The Loan Store, Inc. | $1,495,000 | n/a | 0.5% | |
| Bethpage Federal Credit Union | $3,405,000 | $1,475,000 | -56.7% | 0.5% |
| BNY Mellon | $755,000 | $1,365,000 | 80.8% | 0.5% |
| Ulster Savings Bank | $8,965,000 | $1,330,000 | -85.2% | 0.5% |
| Johnson Bank | $1,285,000 | n/a | 0.4% | |
| Premium Mortgage Corporation | $430,000 | $1,280,000 | 197.7% | 0.4% |
| East Coast Capital Corp. | $1,270,000 | n/a | 0.4% | |
| Greenfield Savings Bank | $1,255,000 | n/a | 0.4% | |
| HSBC BANK USA, NATIONAL ASSOCIATION | $1,675,000 | $1,210,000 | -27.8% | 0.4% |
| AMERICAN FINANCIAL NETWORK, INC. | $575,000 | $1,180,000 | 105.2% | 0.4% |
| Valley National Bank | $885,000 | $1,135,000 | 28.2% | 0.4% |
| BETTER MORTGAGE CORPORATION | $265,000 | $1,100,000 | 315.1% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $700,000 | $1,085,000 | 55.0% | 0.4% |
| PHH Mortgage Corporation | $295,000 | $1,030,000 | 249.2% | 0.4% |
| Ballston Spa National Bank | $710,000 | $975,000 | 37.3% | 0.3% |
| EMBRACE HOME LOANS, INC. | $960,000 | $960,000 | 0.0% | 0.3% |
| LONGBRIDGE FINANCIAL, LLC | $455,000 | $860,000 | 89.0% | 0.3% |
| PLAZA HOME MORTGAGE, INC. | $1,130,000 | $850,000 | -24.8% | 0.3% |
| A&D Mortgage LLC | $395,000 | $820,000 | 107.6% | 0.3% |
| EMM LOANS LLC | $425,000 | $800,000 | 88.2% | 0.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $775,000 | n/a | 0.3% | |
| Mortgage Research Center, LLC | $245,000 | $765,000 | 212.2% | 0.3% |
| Quontic Bank | $745,000 | n/a | 0.3% | |
| USAA Federal Savings Bank | $725,000 | n/a | 0.2% | |
| Lee Bank | $1,415,000 | $720,000 | -49.1% | 0.2% |
| Axos Bank | $710,000 | n/a | 0.2% | |
| NBKC BANK | $685,000 | n/a | 0.2% | |
| TEG Federal Credit Union | $425,000 | $675,000 | 58.8% | 0.2% |
| GUARANTEED RATE AFFINITY, LLC | $635,000 | n/a | 0.2% | |
| Walden Savings Bank | $605,000 | n/a | 0.2% | |
| First National Bank of Scotia | $595,000 | n/a | 0.2% | |
| Discover Bank | $515,000 | $590,000 | 14.6% | 0.2% |
| NORWICH COMMERCIAL GROUP, INC. | $535,000 | $585,000 | 9.3% | 0.2% |
| Bank of Millbrook | $570,000 | n/a | 0.2% | |
| LOANDEPOT.COM, LLC | $480,000 | $545,000 | 13.5% | 0.2% |
| Leader Bank | $535,000 | $535,000 | 0.0% | 0.2% |
| TRIAD FINANCIAL SERVICES, INC. | $105,000 | $500,000 | 376.2% | 0.2% |
| PENNYMAC LOAN SERVICES, LLC | $955,000 | $490,000 | -48.7% | 0.2% |
| AMERICAN FINANCING CORPORATION | $485,000 | n/a | 0.2% | |
| NP, Inc. | $485,000 | n/a | 0.2% | |
| Wallkill Valley Federal Savings and Loan Association | $460,000 | n/a | 0.2% | |
| Farmers Bank & Trust | $455,000 | n/a | 0.2% | |
| CLIFFCO, INC. | $445,000 | n/a | 0.2% | |
| FIRST ALLIANCE HOME MORTGAGE, LLC | $285,000 | $440,000 | 54.4% | 0.2% |
| Evolve Bank & Trust | $435,000 | n/a | 0.1% | |
| Bank of Hope | $415,000 | n/a | 0.1% | |
| Citadel Servicing Corporation | $415,000 | n/a | 0.1% | |
| Bank of England | $405,000 | n/a | 0.1% | |
| FIRST NEW YORK | $165,000 | $390,000 | 136.4% | 0.1% |
| 21ST MORTGAGE CORPORATION | $125,000 | $380,000 | 204.0% | 0.1% |
| Prosperity Home Mortgage, LLC | $375,000 | n/a | 0.1% | |
| CMG MORTGAGE, INC. | $355,000 | n/a | 0.1% | |
| EVERETT FINANCIAL, INC. | $345,000 | n/a | 0.1% | |
| Stifel Bank and Trust | $2,005,000 | $345,000 | -82.8% | 0.1% |
| United Nations Federal Credit Union | $305,000 | n/a | 0.1% | |
| Carrington Mortgage Services, LLC | $295,000 | n/a | 0.1% | |
| Ixonia Bank | $295,000 | n/a | 0.1% | |
| Municipal Credit Union | $290,000 | n/a | 0.1% | |
| Amalgamated Bank | $285,000 | n/a | 0.1% | |
| GUIDANCE RESIDENTIAL, LLC | $285,000 | $285,000 | 0.0% | 0.1% |
| Flagstar Bank, FSB | $1,190,000 | $275,000 | -76.9% | 0.1% |
| RELIANCE FIRST CAPITAL, LLC | $275,000 | n/a | 0.1% | |
| ARK MORTGAGE, INC. | $265,000 | n/a | 0.1% | |
| FREEDOM MORTGAGE CORPORATION | $225,000 | $265,000 | 17.8% | 0.1% |
| UIF CORPORATION | $265,000 | n/a | 0.1% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,485,000 | $255,000 | -82.8% | 0.1% |
| FOUNDATION MORTGAGE CORPORATION | $255,000 | n/a | 0.1% | |
| MID-ISLAND MORTGAGE CORP. | $255,000 | n/a | 0.1% | |
| SELF RELIANCE NY Federal Credit Union | $255,000 | n/a | 0.1% | |
| The National Bank of Coxsackie | $1,375,000 | $245,000 | -82.2% | 0.1% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $220,000 | $230,000 | 4.5% | 0.1% |
| Northwest Federal Credit Union | $225,000 | n/a | 0.1% | |
| PENTAGON FEDERAL CREDIT UNION | $225,000 | n/a | 0.1% | |
| AMWEST FUNDING CORP. | $665,000 | $165,000 | -75.2% | 0.1% |
| GREENWOOD | $165,000 | n/a | 0.1% | |
| Advisors Mortgage Group, L.L.C. | $155,000 | n/a | 0.1% | |
| MOVEMENT MORTGAGE, LLC | $485,000 | $155,000 | -68.0% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $740,000 | $140,000 | -81.1% | 0.0% |
| Baxter Credit Union | $135,000 | n/a | 0.0% | |
| BayCoast Bank | $130,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $125,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $105,000 | n/a | 0.0% | |
| Saratoga National Bank and Trust Company | $65,000 | n/a | 0.0% | |
| The People's Credit Union | $65,000 | n/a | 0.0% | |
| STAR USA FEDERAL CREDIT UNION | $55,000 | n/a | 0.0% | |
| Chemung Canal Trust Company | $85,000 | $35,000 | -58.8% | 0.0% |
| Figure Lending LLC | $15,000 | n/a | 0.0% |
Hudson's top lender by overall market share is HOMESTEAD FUNDING CORP., with 13.6% market share. In second place, with 7.6%, is The Bank of Greene County, having originated $21,955,000 in loans. In third place, with 5.5%, is QUICKEN LOANS, LLC, having originated $15,915,000 in loans. In fourth place, with 4.8%, is GUARANTEED RATE, INC., having originated $13,970,000 in loans. In fifth place, with 3.6%, is KeyBank, having originated $10,565,000 in loans.
Hudson, NY Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 476 | $192,470,000 | $404,349 |
| Home Improvement | 203 | $30,065,000 | $148,103 |
| Cash Out Refi | 100 | $25,330,000 | $253,300 |
| Other | 90 | $16,400,000 | $182,222 |
| Refi | 86 | $26,040,000 | $302,791 |
Hudson's most frequently cited loan purpose was Home Purchase, with 476 originations. The 2nd most popular reason was Home Improvement, with 203 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 431 | $151,365,000 | $351,195 |
| 7-8% | 199 | $55,725,000 | $280,025 |
| 5-6% | 142 | $51,370,000 | $361,761 |
| Over 8% | 138 | $23,250,000 | $168,478 |
| 4-5% | 7 | $1,375,000 | $196,429 |
| 3-4% | 4 | $410,000 | $102,500 |
| <2.5% | 4 | $440,000 | $110,000 |
| 2.5-3% | 2 | $330,000 | $165,000 |
During 2024, Hudson's most frequently originated rate bucket was 6-7%, with 431 originations.
Loan Sizing (Hudson, NY MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 312 | $88,010,000 | $282,083 |
| $100,000 or less | 211 | $12,265,000 | $58,128 |
| $100k-200k | 199 | $28,965,000 | $145,553 |
| $400k-600k | 124 | $59,220,000 | $477,581 |
| $600k-1000k | 78 | $56,310,000 | $721,923 |
| $Over $1MM | 31 | $45,535,000 | $1,468,871 |
Hudson's loan sizing saw the bucket of loans from $200k-400k with 312 originations, totaling $88,010,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 247 | $95,695,000 | $387,429 |
| 60-80% | 236 | $113,710,000 | $481,822 |
| Under 20% | 181 | $12,425,000 | $68,646 |
| 20-40% | 155 | $26,605,000 | $171,645 |
| 40-60% | 101 | $32,745,000 | $324,208 |
| Over 100% | 6 | $2,770,000 | $461,667 |
Hudson's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 247 originations, totaling $95,695,000 in origination value.