POUGHKEEPSIE - NEWBURGH - MIDDLETOWN Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Poughkeepsie - Newburgh - Middletown averaged 3.05% for the week of 2021-12-02, compared to the national average of 3.11% for the same period.

The average rate for the prior week (2021-11-24) was 3.24% and one month ago for the week of 2021-10-28, the average rate was 3.28%.

Poughkeepsie - Newburgh - Middletown's average rate one year ago was 2.96%.

For refis of the same type during the week of 2021-12-02, the average rate was 3.34%.

Loan Type Date Rate
US 30 Year Fixed Rate 2021-12-02 3.11%
Poughkeepsie - Newburgh - Middletown 30 Year Fixed Rate 2021-12-02 3.05%
Poughkeepsie - Newburgh - Middletown 30 Year Fixed Rate Refi 2021-12-02 3.34%
Poughkeepsie - Newburgh - Middletown 15 Year Fixed Rate 2021-12-02 2.8%
Poughkeepsie - Newburgh - Middletown 15 Year Fixed Rate Refi 2021-12-02 2.35%
Poughkeepsie - Newburgh - Middletown 30 Year FHA 2021-12-02 3.29%
Poughkeepsie - Newburgh - Middletown 30 Year FHA Refi 2021-12-02 3.33%
Poughkeepsie - Newburgh - Middletown 30 Year USDA 2021-12-02 3.36%
Poughkeepsie - Newburgh - Middletown 30 Year USDA Refi 2021-12-02 3.73%
Poughkeepsie - Newburgh - Middletown 30 Year VA 2021-12-02 3.1%
Poughkeepsie - Newburgh - Middletown 30 Year VA Refi 2021-12-02 3.1%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY.

POUGHKEEPSIE - NEWBURGH - MIDDLETOWN Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, 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.).

Name # of Loans 2020 Avg. 30yFix Rate 2020 Avg. Total Fees
QUICKEN LOANS, LLC 992 3.33% $6,377
HOMESTEAD FUNDING CORP. 642 3.16% $4,530
HUDSON VALLEY CREDIT UNION 602 3.29% $3,331
LOANDEPOT.COM, LLC 491 3.16% $6,791
PARKSIDE LENDING, LLC 441 3.56% $10,158
JPMorgan Chase Bank, National Association 426 3.32% $4,066
PRIMELENDING, A PLAINSCAPITAL COMPANY 382 3.33% $5,340
Wells Fargo Bank, National Association 376 3.28% $4,487
UNITED WHOLESALE MORTGAGE, LLC 328 3.15% $7,401
TEG Federal Credit Union 308 3.09% $3,081
ARK MORTGAGE, INC. 267 3.17% $9,770
NEWREZ LLC 212 3.25% $7,045
KeyBank National Association 180 3.24% $3,523
HOMEBRIDGE FINANCIAL SERVICES, INC. 178 3.36% $6,339
Valley National Bank 152 3.33% $4,653
CROSSCOUNTRY MORTGAGE, LLC 145 3.10% $5,466
FM Home Loans, LLC 142 3.30% $8,184
Bank of America, National Association 139 3.08% $5,145
MID-HUDSON VALLEY 133 3.37% $4,223
TD Bank, National Association 128 3.17% $5,121
Manufacturers and Traders Trust Company 123 3.36% $4,227
Ulster Savings Bank 120 3.43% $4,194
CALIBER HOME LOANS, INC. 117 3.24% $6,135
TrustCo Bank 112 3.27% $2,134
PLAZA HOME MORTGAGE, INC. 108 3.35% $7,140
HOME POINT FINANCIAL CORPORATION 98 3.24% $7,137
Flagstar Bank, FSB 96 3.33% $6,135
Citibank, National Association 94 2.99% $5,569
GUARANTEED RATE, INC. 93 3.19% $5,274
RESIDENTIAL HOME FUNDING CORP. 91 3.35% $6,086
FREEDOM MORTGAGE CORPORATION 88 3.25% $4,826
Citizens Bank, National Association 87 3.29% $4,783
NATIONSTAR MORTGAGE LLC 82 3.55% $5,898
UNITED NORTHERN MORTGAGE BANKERS LIMITED 78 2.95% $5,425
Sierra Pacific Mortgage Company, Inc. 70 3.41% $10,836
NATIONWIDE MORTGAGE BANKERS, INC. 59 3.27% $6,056
NAVY FEDERAL CREDIT UNION 55 3.88% $5,646
FAMILY FIRST FUNDING LLC 54 3.31% $5,779
Plains Commerce Bank 48 3.14% $5,013
SILVERMINE VENTURES LLC 48 3.16% $3,860
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 40 3.19% $4,955
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 36 3.38% $8,130
MOVEMENT MORTGAGE, LLC 33 3.14% $4,410
TBI MORTGAGE COMPANY 31 3.20% $5,977
Luxury Mortgage Corp. 30 3.02% $4,955
GREENWAY MORTGAGE FUNDING CORP. 29 3.31% $4,464
CONTOUR MORTGAGE CORPORATION 27 3.12% $6,576
BETTER MORTGAGE CORPORATION 25 2.92% $6,439
HSBC BANK USA, NATIONAL ASSOCIATION 25 3.16% $4,681
NJ LENDERS CORP. 25 3.25% $4,623
ARC HOME LLC 24 3.24% $10,725
U.S. Bank National Association 21 3.03% $4,394
MORTGAGE ACCESS CORP. 20 3.15% $5,942
CLIFFCO, INC. 19 3.11% $5,776
AMERICAN FINANCIAL NETWORK, INC. 19 3.04% $7,930
MID-ISLAND MORTGAGE CORP. 18 3.29% $6,551
The Federal Savings Bank 18 3.10% $7,233
MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 18 3.22% $8,424
UNITED MORTGAGE CORP. 17 3.48% $7,539
InterContinental Capital Group, Inc 17 2.96% $6,109
CCFCU FUNDING, LLC 17 3.22% $3,350
USAA Federal Savings Bank 16 3.61% $6,112
First Republic Bank 16 2.90% $7,822
Morgan Stanley Private Bank, National Association 16 2.92% $5,439
A&D Mortgage LLC 15 3.34% $11,355
INTERSTATE HOME LOAN CENTER, INC. 14 3.09% $6,088
First Federal Bank 14 3.22% $5,280
TOTAL MORTGAGE SERVICES, LLC 14 3.35% $5,963
RELIANCE FIRST CAPITAL, LLC 13 3.06% $9,266
WILLIAM RAVEIS MORTGAGE, LLC 13 3.14% $4,328
TIAA, FSB 12 3.40% $4,498
Bethpage Federal Credit Union 12 3.27% $5,987
Webster Bank, National Association 12 3.16% $7,042
FINANCE OF AMERICA MORTGAGE LLC 12 3.27% $9,912
Evolve Bank & Trust 11 3.00% $3,943
North American Savings Bank, F.S.B. 11 3.32% $3,823
First Home Bank 11 3.38% $6,297
East Coast Capital Corp. 11 3.44% $6,479
MLB RESIDENTIAL LENDING, LLC 10 3.39% $7,697
Municipal Credit Union 10 3.51% $4,412
ENVOY MORTGAGE, LTD 10 3.42% $5,653
First Savings Bank 10 3.26% $8,569
Popular Bank 10 3.15% $4,296
OWNERSCHOICE FUNDING, INCORPORATED 9 3.18% $4,430
Bank of England 9 3.36% $5,528
EMBRACE HOME LOANS, INC. 8 3.75% $6,963
US MORTGAGE CORPORATION 8 3.09% $5,046
ROYAL UNITED MORTGAGE LLC 8 3.72% $6,064
VISIONS 8 3.34% $224
ABSOLUTE HOME MORTGAGE CORPORATION 8 2.69% $5,301
GuardHill Financial Corp. 8 2.81% $6,135
PENTAGON FEDERAL CREDIT UNION 8 2.81% $3,998
JET DIRECT FUNDING CORP 7 3.46% $7,994
ACADEMY MORTGAGE CORP. 7 2.98% $9,263
The Union Bank Company 7 3.66% $3,736
Equity Prime Mortgage LLC 7 3.21% $8,676
CMG MORTGAGE, INC. 7 3.38% $6,654
SEFCU SERVICES, LLC 7 3.04% $4,399
Cf Bank, National Association 7 2.98% $1,817
Investors Bank 7 3.21% $4,437
WALL STREET MORTGAGE BANKERS, LTD. 6 3.86% $10,499
UBS Bank USA 6 3.10% $5,404
Quontic Bank 6 5.92% $12,516
Carrington Mortgage Services, LLC 6 3.38% $6,335
LENOX FINANCIAL MORTGAGE CORPORATION 6 3.27% $4,714
PHH Mortgage Corporation 6 3.83% $6,201
PNC Bank, National Association 6 3.54% $3,245
TEACHERS 6 3.13% $4,391
AMERICAN FINANCING CORPORATION 5 3.03% $5,045
Northpointe Bank 5 3.04% $5,585
PATRIOT ONE MORTGAGE BANKERS, LLC 5 3.28% $10,327
PREMIA MORTGAGE, LLC 5 3.05% $5,176
EMM LOANS LLC 5 3.60% $5,211
RESIDENTIAL MORTGAGE SERVICES, INC. 5 2.80% $4,705
AFFINITY 5 3.35% $3,579
Discover Bank 5 4.54% $0
Advisors Mortgage Group, L.L.C. 5 3.23% $9,411
Lakeland Bank 5 3.25% $3,973
Mortgage World Bankers, Inc. 5 2.93% $6,167
NBKC BANK 5 3.12% $4,647
LAND HOME FINANCIAL SERVICES, INC. 4 4.00% $8,350
Metro City Bank 4 4.94% $7,106
BOND STREET MORTGAGE, LLC 4 2.72% $4,558
SUMMIT MORTGAGE BANKERS INC. 4 3.59% $4,161
Stifel Bank and Trust 4 3.25% $3,013
Mortgage Unlimited, L.L.C. 4 3.25% $5,002
Santander Bank, N.A. 4 3.09% $9,373
Amalgamated Bank 4 2.84% $4,683
RESIDENTIAL HOME MORTGAGE CORPORATION 4 3.00% $4,749
People's United Bank, National Association 4 3.09% $10,129
City National Bank 4 2.90% $6,022
AMERICAN FEDERAL MORTGAGE CORPORATION 4 2.84% $3,703
The Huntington National Bank 3 2.92% $5,387
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 3 3.08% $3,058
The Northern Trust Company 3 3.00% $10,422
United Nations Federal Credit Union 3 3.50% $5,349
SUNMARK FEDERAL CREDIT UNION 3 3.21% $4,016
The Bank of Greene County 3 3.34% $3,785
GUIDANCE RESIDENTIAL, LLC 3 3.54% $6,070
Mortgage Network, Inc. 3 3.04% $4,725
Columbia Bank 3 3.04% $4,400
CITIZENS EQUITY FIRST 3 3.58% $3,198
POLISH & SLAVIC FEDERAL CREDIT UNION 3 3.29% $3,884
AMERICAN INTERNET MORTGAGE, INC. 2 3.56% $3,551
Goldman Sachs Bank USA 2 2.81% $10,325
Sterling National Bank 2 3.50% $4,403
SUN WEST MORTGAGE COMPANY, INC. 2 3.19% $4,625
ALLIED MORTGAGE GROUP, INC. 2 3.06% $5,701
Truist Bank 2 3.24% $5,600
USAlliance Federal Credit Union 2 3.06% $3,838
1ST PRIORITY MORTGAGE, INC. 2 3.38% $4,169
Community Bank, National Association 2 4.19% $2,805
CONTINENTAL MORTGAGE BANKERS, INC. 2 3.63% $8,658
DIGITAL Federal Credit Union 2 2.50% $4,291
Iberiabank 2 2.88% $6,508
Farm Credit East, ACA 2 3.25% $9,423
JERSEY MORTGAGE COMPANY OF NEW JERSEY, INC. 2 3.31% $4,824
FIRST ALLIANCE HOME MORTGAGE, LLC 2 3.94% $5,115
DRAPER AND KRAMER MORTGAGE CORP. 2 2.75% $4,098
BLAIR SERVICES OF AMERICA INC. 2 2.99% $8,067
1ST 2ND MORTGAGE COMPANY OF N.J., INC. 2 3.00% $3,693
Magnolia Bank 2 2.87% $7,182
Meridian Bank Corporation 2 3.06% $4,924
FirstBank 2 3.38% $4,715
Barrington Bank & Trust Company, N.A. 2 3.81% $7,042
Axos Bank 2 3.12% $2,733
ASSOCIATED MORTGAGE BANKERS, INC. 2 2.81% $4,924
NETWORK CAPITAL FUNDING CORPORATION 2 4.44% $2,273
First Internet Bank of Indiana 2 3.38% $2,469
East West Bank 2 4.38% $4,957
OceanFirst Bank, National Association 2 3.31% $5,485
Paramount Bank 2 3.00% $2,114
AMERICAN FINANCIAL RESOURCES, INC. 2 3.06% $3,801
CREDIT UNION MORTGAGE ASSOCIATION, INC. 2 2.94% $4,761
Connexus Credit Union 1 3.00% $3,969
CORNING 1 3.00% $5,195
Colonial Savings, F.A. 1 3.13% $4,694
Empower Federal Credit Union 1 4.38% $4,461
EQUITY NOW INC. 1 3.00% $7,652
Fairfield County Bank 1 3.00% $3,381
Fidelity Bank, National Association 1 2.88% $4,731
First Bank 1 3.13% $5,036
First Federal Bank of Kansas City 1 3.38% $5,225
First Midwest Bank 1 2.63% $4,864
FIRST TECHNOLOGY 1 3.00% $5,957
Charles Schwab Bank, SSB 1 3.23% $2,774
FUNDING RESOURCES MORTGAGE CORPORATION 1 2.63% $3,815
GARDEN SAVINGS FEDERAL CREDIT UNION 1 3.50% $444
Genesee Regional Bank 1 3.13% $2,766
Central Bank 1 2.50% $2,106
Cathay Bank 1 4.13% $4,302
WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION 1 1.50% $9,397
HUDSON HERITAGE 1 4.13% $4,001
INLAND BANK & TRUST 1 3.25% $1,190
INOVA FEDERAL CREDIT UNION 1 2.88% $9,161
BNY Mellon, National Association 1 3.13% $5,012
Kearny Bank 1 3.25% $3,869
BNC National Bank 1 3.13% $4,207
Kwik Mortgage Corporation 1 3.13% $7,276
Baxter Credit Union 1 3.88% $6,524
Mortgage Research Center, LLC 1 3.25% $8,567
NASA Federal Credit Union 1 3.13% $6,803
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 3.50% $9,406
XCEED FINANCIAL 1 3.00% $5,034
NORTH COUNTRY 1 3.00% $3,010
Northwest Federal Credit Union 1 4.25% $3,311
NORWICH COMMERCIAL GROUP, INC. 1 3.25% $4,391
Notre Dame Federal Credit Union Corporation 1 3.25% $3,246
Platinum Home Mortgage Corporation 1 3.99% $8,326
Premium Mortgage Corporation 1 2.75% $6,021
Presidential Bank, FSB 1 2.75% $5,483
QUORUM FEDERAL CREDIT UNION 1 3.25% $4,122
Ridgewood Savings Bank 1 3.38% $7,446
Saratoga National Bank and Trust Company 1 3.88% $3,530
Silicon Valley Bank 1 3.63% $3,363
The Honesdale National Bank 1 3.13% $4,997
TOWER 1 3.13% $4,778
Actors Federal Credit Union 1 2.88% $5,778
Union Savings Bank 1 3.25% $12,152
VAN DYK MORTGAGE CORPORATION 1 3.50% $3,280
1st Constitution Bank 1 2.88% $3,297
Wilmington Savings Fund Society, FSB 1 3.00% $8,877

POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY's 222 lenders originated 20,358 loans during 2020. The total origination value was $5,850,400,000, with an average loan value of $287,376.

The top POUGHKEEPSIE - NEWBURGH - MIDDLETOWN lender as defined by loan originations is QUICKEN LOANS, LLC, with 992 loans originated. Their average total fees are $6,377, which is $1,847 higher than the next largest lender, HOMESTEAD FUNDING CORP..

The lowest fee POUGHKEEPSIE - NEWBURGH - MIDDLETOWN lenders (with over 10 loans originated) are TrustCo Bank ($2,134), TEG Federal Credit Union ($3,081), HUDSON VALLEY CREDIT UNION ($3,331), CCFCU FUNDING, LLC ($3,350) and KeyBank National Association ($3,523).

The lowest rate POUGHKEEPSIE - NEWBURGH - MIDDLETOWN lenders (with over 10 loans originated) are First Republic Bank (2.90%), BETTER MORTGAGE CORPORATION (2.92%), Morgan Stanley Private Bank, National Association (2.92%), UNITED NORTHERN MORTGAGE BANKERS LIMITED (2.95%) and InterContinental Capital Group, Inc (2.96%).

POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY Lender 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 2019 Loan Value 2020 Loan Value % Change 2020 Market Share
Quicken Loans $291,490,000 $622,380,000 113.5% 10.6%
Hudson Valley Federal Credit Union $228,920,000 $371,825,000 62.4% 6.4%
Homestead Funding Corp. $142,150,000 $276,395,000 94.4% 4.7%
loanDepot LLC $139,570,000 $258,700,000 85.4% 4.4%
JPMorgan Chase Bank, NA $129,790,000 $214,450,000 65.2% 3.7%
WELLS FARGO BANK NA $140,825,000 $212,645,000 51.0% 3.6%
Parkside Lending LLC $87,440,000 $159,950,000 82.9% 2.7%
PRIMELENDING $104,680,000 $157,330,000 50.3% 2.7%
United Shore Financial Services LLC $111,980,000 $143,785,000 28.4% 2.5%
M&T Bank $75,365,000 $117,025,000 55.3% 2.0%
TEG Federal Credit Union $50,350,000 $115,325,000 129.0% 2.0%
KeyBank National Association $76,815,000 $109,670,000 42.8% 1.9%
Investors Bank $310,000 $104,755,000 33,691.9% 1.8%
Ark Mortgage, Inc. $74,910,000 $102,520,000 36.9% 1.8%
NEWREZ LLC $41,560,000 $100,020,000 140.7% 1.7%
Walden Savings Bank $49,555,000 $93,715,000 89.1% 1.6%
Valley National Bank $43,650,000 $93,380,000 113.9% 1.6%
Nationstar Mortgage $56,345,000 $90,485,000 60.6% 1.5%
HomeBridge Financial Services, Inc. $65,780,000 $82,335,000 25.2% 1.4%
Rhinebeck Bank $44,220,000 $78,710,000 78.0% 1.3%
Bank of America NA $70,740,000 $78,115,000 10.4% 1.3%
Freedom Mortgage Corporation $43,035,000 $76,300,000 77.3% 1.3%
Salisbury Bank and Trust Co $31,085,000 $76,280,000 145.4% 1.3%
CBNA $60,795,000 $71,595,000 17.8% 1.2%
TD Bank $44,255,000 $70,225,000 58.7% 1.2%
Ulster Savings Bank $44,575,000 $60,985,000 36.8% 1.0%
Hudson Heritage Federal Credit Union $27,885,000 $58,930,000 111.3% 1.0%
FM Home Loans LLC $30,190,000 $58,160,000 92.6% 1.0%
Citibank, N.A. $32,925,000 $56,105,000 70.4% 1.0%
Plaza Home Mortgage Inc. $26,075,000 $55,265,000 111.9% 0.9%
Mid-Hudson Valley Federal Credit Union $33,445,000 $53,150,000 58.9% 0.9%
Caliber Home Loans Inc $30,400,000 $52,415,000 72.4% 0.9%
Home Point Financial Corporation $18,845,000 $50,450,000 167.7% 0.9%
Capital One, NA $48,105,000 n/a 0.8%
Trustco Bank $28,545,000 $47,855,000 67.6% 0.8%
Greystone Servicing Corporation, Inc. $46,840,000 n/a 0.8%
Guaranteed Rate Inc. $35,140,000 $42,610,000 21.3% 0.7%
Residential Home Funding Corp. $43,275,000 $41,160,000 -4.9% 0.7%
Flagstar Bank $23,555,000 $37,715,000 60.1% 0.6%
M&T REALTY CAPITAL CORPORATION $4,735,000 $34,610,000 630.9% 0.6%
United Northern Mortgage Bankers Limited $11,145,000 $34,005,000 205.1% 0.6%
Lakeland Bank $2,095,000 $32,835,000 1,467.3% 0.6%
NAVY FEDERAL CREDIT UNION $24,085,000 $30,885,000 28.2% 0.5%
Sierra Pacific Mortgage $20,035,000 $28,660,000 43.0% 0.5%
Nationwide Mortgage Bankers Inc. $9,170,000 $28,640,000 212.3% 0.5%
Mortgage Research Center LLC $17,105,000 $27,950,000 63.4% 0.5%
USAA FEDERAL SAVINGS BANK $22,125,000 $27,850,000 25.9% 0.5%
Wallkill Valley Federal Savings & Loan Association $21,860,000 $27,530,000 25.9% 0.5%
CARRINGTON MORTGAGE SERVICES $17,785,000 $25,680,000 44.4% 0.4%
FAIRWAY INDEPENDENT MORT CORP $9,525,000 $23,610,000 147.9% 0.4%
The Federal Savings Bank $31,180,000 $22,405,000 -28.1% 0.4%
Family First Funding LLC $24,125,000 $20,915,000 -13.3% 0.4%
Plains Commerce Bank $19,905,000 n/a 0.3%
Berkeley Point Capital, LLC $18,600,000 n/a 0.3%
Cardinal Financial Company LP $6,535,000 $16,845,000 157.8% 0.3%
Orange Bank & Trust Company $25,695,000 $16,475,000 -35.9% 0.3%
SILVERMINE VENTURES LLC $10,870,000 $16,330,000 50.2% 0.3%
FIRST REPUBLIC BANK $14,920,000 $15,775,000 5.7% 0.3%
Mahopac Bank $7,960,000 $15,075,000 89.4% 0.3%
MOVEMENT MORTGAGE, LLC $9,110,000 $14,590,000 60.2% 0.2%
Better Mortgage Corporation $14,300,000 n/a 0.2%
Morgan Stanley Private Bank NA $1,340,000 $13,735,000 925.0% 0.2%
Contour Mortgage Corporation $7,205,000 $13,045,000 81.1% 0.2%
Rondout Savings Bank $9,375,000 $12,960,000 38.2% 0.2%
TBI Mortgage Company $17,705,000 $12,415,000 -29.9% 0.2%
US BANK, N.A. $10,895,000 $12,225,000 12.2% 0.2%
Luxury Mortgage Corp. $8,155,000 $12,165,000 49.2% 0.2%
Greenway Mortgage Funding Corp $6,040,000 $12,150,000 101.2% 0.2%
American Financial Network Inc. $3,420,000 $11,685,000 241.7% 0.2%
NJ Lenders Corp. $8,165,000 $11,625,000 42.4% 0.2%
North American Savings Bank $5,755,000 $10,920,000 89.7% 0.2%
Reliance First Capital LLC $6,885,000 $10,840,000 57.4% 0.2%
Pentagon Federal Credit Union $2,975,000 $10,790,000 262.7% 0.2%
KEARNY BANK $10,560,000 n/a 0.2%
Intercontinental Capital Group, Inc. $4,850,000 $10,530,000 117.1% 0.2%
Cliffco, Inc. $5,170,000 $10,470,000 102.5% 0.2%
Berkadia Commercial Mortgage $10,165,000 n/a 0.2%
Total Mortgage Services LLC $2,515,000 $10,020,000 298.4% 0.2%
Mid-Island Mortgage Corp. $5,890,000 $9,945,000 68.8% 0.2%
Sawyer Savings Bank $7,170,000 $9,930,000 38.5% 0.2%
Arbor Realty Trust Inc $1,365,000 $9,830,000 620.1% 0.2%
Meadowbrook Financial Mortgage $3,580,000 $9,470,000 164.5% 0.2%
United Mortgage Corp $9,815,000 $9,350,000 -4.7% 0.2%
HSBC BANK USA, NA $4,600,000 $9,255,000 101.2% 0.2%
WEI Mortgage LLC $6,025,000 $9,095,000 51.0% 0.2%
Homeowners Advantage $4,680,000 $8,590,000 83.5% 0.1%
Weichert Financial Services $5,850,000 $8,430,000 44.1% 0.1%
The Northern Trust Company $8,115,000 n/a 0.1%
Sterling National Bank $1,075,000 $7,940,000 638.6% 0.1%
Webster Bank, N.A. $5,895,000 $7,765,000 31.7% 0.1%
PCSB BANK $5,705,000 $7,540,000 32.2% 0.1%
Embrace Home Loans, Inc. $5,280,000 $7,470,000 41.5% 0.1%
Equity Prime Mortgage LLC $1,695,000 $7,155,000 322.1% 0.1%
Finance of America Mortgage LLC $1,985,000 $6,690,000 237.0% 0.1%
Bethpage Federal Credit Union $9,675,000 $6,570,000 -32.1% 0.1%
Barrington Bank & Trust $2,640,000 $6,505,000 146.4% 0.1%
A&D Mortgage LLC $300,000 $6,160,000 1,953.3% 0.1%
MLB Residential Lending LLC $3,585,000 $6,155,000 71.7% 0.1%
GUARDHILL FINANCIAL CORP $2,170,000 $5,925,000 173.0% 0.1%
NBKC Bank $5,380,000 $5,920,000 10.0% 0.1%
The Bank Of Greene County $1,470,000 $5,890,000 300.7% 0.1%
ConnectOne Bank $1,975,000 $5,785,000 192.9% 0.1%
First Home Bank $1,575,000 $5,240,000 232.7% 0.1%
TIAA, FSB $10,735,000 $5,210,000 -51.5% 0.1%
SEFCU Services LLC $2,790,000 $5,095,000 82.6% 0.1%
Interstate Home Loan Center Inc. $1,735,000 $5,050,000 191.1% 0.1%
East Coast Capital Corporation $1,650,000 $4,895,000 196.7% 0.1%
TCF National Bank $6,620,000 $4,880,000 -26.3% 0.1%
OwnersChoice Funding, Inc. $655,000 $4,850,000 640.5% 0.1%
First Savings Bank $4,360,000 $4,765,000 9.3% 0.1%
Municipal Credit Union $4,305,000 $4,670,000 8.5% 0.1%
Goldman Sachs Bank USA $310,000 $4,580,000 1,377.4% 0.1%
People's United Bank, N.A. $3,970,000 $4,485,000 13.0% 0.1%
Evolve Bank & Trust $295,000 $4,460,000 1,411.9% 0.1%
Envoy Mortgage Ltd. $3,805,000 $4,275,000 12.4% 0.1%
Jet Direct Funding Corp $3,275,000 $4,180,000 27.6% 0.1%
PNC BANK NA $3,670,000 $4,135,000 12.7% 0.1%
William Raveis Mortgage LLC $1,425,000 $4,090,000 187.0% 0.1%
POPULAR BANK $4,635,000 $4,015,000 -13.4% 0.1%
Magnolia Bank Incorporated $2,600,000 $3,710,000 42.7% 0.1%
Absolute Home Mortgage Corporation $3,595,000 n/a 0.1%
LendingHome Funding Corporation $4,875,000 $3,535,000 -27.5% 0.1%
Teachers Federal Credit Union $1,615,000 $3,355,000 107.7% 0.1%
Bank of England $2,440,000 $3,350,000 37.3% 0.1%
PHH MORTGAGE CORPORATION $1,860,000 $3,345,000 79.8% 0.1%
UBS Bank USA $3,090,000 $3,285,000 6.3% 0.1%
Patriot One Mortgage Bankers LLC $650,000 $3,165,000 386.9% 0.1%
Santander Bank N.A. $6,975,000 $3,140,000 -55.0% 0.1%
Academy Mortgage Corp $530,000 $3,100,000 484.9% 0.1%
Royal United Mortgage LLC $2,750,000 $3,045,000 10.7% 0.1%
Paramount Bank $385,000 $3,030,000 687.0% 0.1%
RESIDENTIAL MORTGAGE SERVICES $570,000 $3,010,000 428.1% 0.1%
The Union Bank Company $1,360,000 $2,980,000 119.1% 0.1%
Advisors Mortgage Group LLC $235,000 $2,965,000 1,161.7% 0.1%
Cf Bank National Association $2,640,000 $2,910,000 10.2% 0.0%
Sun West Mortgage Company Inc. $1,885,000 $2,765,000 46.7% 0.0%
E Mortgage Management LLC $2,755,000 n/a 0.0%
Wall Street Mortgage Bankers LTD $2,060,000 $2,630,000 27.7% 0.0%
Mortgage Unlimited LLC $1,230,000 $2,615,000 112.6% 0.0%
Lenox Financial Mortgage Corp. $2,570,000 n/a 0.0%
CMG Mortgage Inc. $5,195,000 $2,555,000 -50.8% 0.0%
RED MORTGAGE CAPITAL, LLC $2,505,000 n/a 0.0%
Meridian Bank $2,500,000 n/a 0.0%
American Financing Corporation $105,000 $2,455,000 2,238.1% 0.0%
US Mortgage Corporation $1,340,000 $2,440,000 82.1% 0.0%
Discover Bank $2,785,000 $2,415,000 -13.3% 0.0%
Visions Federal Credit Union $1,535,000 $2,310,000 50.5% 0.0%
Bond Street Mortgage $2,180,000 n/a 0.0%
Inland Bank and Trust $1,190,000 $2,155,000 81.1% 0.0%
City National Bank $4,715,000 $2,145,000 -54.5% 0.0%
Guidance Residential LLC $1,425,000 $2,120,000 48.8% 0.0%
Metro City Bank $2,355,000 $2,115,000 -10.2% 0.0%
American Financial Resources Inc. $1,345,000 $2,055,000 52.8% 0.0%
Northpointe Bank $1,315,000 $2,020,000 53.6% 0.0%
RESIDENTIAL HOME MORTGAGE CORPORATION $1,870,000 $1,910,000 2.1% 0.0%
Quontic Bank $155,000 $1,865,000 1,103.2% 0.0%
Amalgamated Bank $980,000 $1,835,000 87.2% 0.0%
Quorum Federal Credit Union $460,000 $1,825,000 296.7% 0.0%
Mortgage World Bankers, Inc $550,000 $1,800,000 227.3% 0.0%
AAG $890,000 $1,710,000 92.1% 0.0%
Branch Banking And Trust Co $1,700,000 n/a 0.0%
United Nations Federal Credit Union $450,000 $1,675,000 272.2% 0.0%
THE DIME BANK $1,660,000 n/a 0.0%
First Credit Corporation $1,230,000 $1,655,000 34.6% 0.0%
Capital Communications Federal Credit Union $1,280,000 $1,625,000 27.0% 0.0%
LendingOne LLC $1,980,000 $1,610,000 -18.7% 0.0%
Merchants Bank of Indiana $1,605,000 n/a 0.0%
Premia Mortgage, LLC $445,000 $1,605,000 260.7% 0.0%
First Internet Bank $695,000 $1,565,000 125.2% 0.0%
Sunmark Federal Credit Union $405,000 $1,550,000 282.7% 0.0%
Associated Mortgage Bankers Inc. $1,100,000 $1,545,000 40.5% 0.0%
American Federal Mortgage Corp. $1,215,000 $1,525,000 25.5% 0.0%
Columbia Bank $16,395,000 $1,465,000 -91.1% 0.0%
Finance of America Reverse LLC $395,000 $1,440,000 264.6% 0.0%
5 Arch Funding Corp. $1,435,000 n/a 0.0%
Stifel Bank and Trust $2,855,000 $1,430,000 -49.9% 0.0%
BNC NATIONAL BANK $1,420,000 n/a 0.0%
AimLoan.com $470,000 $1,385,000 194.7% 0.0%
Pioneer Savings Bank $1,360,000 n/a 0.0%
Land Home Financial Services Inc. $3,180,000 $1,350,000 -57.5% 0.0%
1ST 2ND MORTGAGE COMPANY OF N.J., INC. $1,330,000 n/a 0.0%
Farm Credit East ACA $910,000 $1,315,000 44.5% 0.0%
Great Plains National Bank $1,260,000 n/a 0.0%
Third Federal Savings and Loan $3,190,000 $1,255,000 -60.7% 0.0%
Blair Services of America Inc $1,135,000 $1,230,000 8.4% 0.0%
Draper and Kramer Mortgage Corp. $1,220,000 n/a 0.0%
BCB Community Bank $1,205,000 n/a 0.0%
Huntington National Bank $115,000 $1,185,000 930.4% 0.0%
Community Bank, N.A. $1,180,000 n/a 0.0%
The National Bank of Coxsackie $190,000 $1,180,000 521.1% 0.0%
Charles Schwab Bank $610,000 $1,140,000 86.9% 0.0%
USAlliance Federal Credit Union $925,000 $1,140,000 23.2% 0.0%
Citizens Equity First Credit Union (CEFCU) $1,135,000 n/a 0.0%
IBERIABANK $385,000 $1,100,000 185.7% 0.0%
OceanFirst Bank N.A. $1,075,000 n/a 0.0%
Premium Mortgage Corporation $1,060,000 n/a 0.0%
Finance of America Commercial LLC $1,870,000 $1,050,000 -43.9% 0.0%
Dime Community Bank $670,000 $1,040,000 55.2% 0.0%
Toyota Financial Savings Bank $955,000 n/a 0.0%
Summit mortgage Bankers, Inc. $1,505,000 $910,000 -39.5% 0.0%
Flushing Bank $605,000 $905,000 49.6% 0.0%
American Neighborhood Mortgage dba AnnieMac Home Mortgage $2,015,000 $855,000 -57.6% 0.0%
Ukrainian National F.C.U. $855,000 n/a 0.0%
Athas Capital Group $1,430,000 $845,000 -40.9% 0.0%
Commonfund Mortgage Corp $845,000 n/a 0.0%
Digital Federal Credit Union $640,000 $845,000 32.0% 0.0%
Colonial Savings $815,000 n/a 0.0%
VanDyk Mortgage Corporation $805,000 n/a 0.0%
Continental Mortgagte Bankers Inc $500,000 $800,000 60.0% 0.0%
1st Priority Mortgage, Inc. $165,000 $790,000 378.8% 0.0%
Allied Mortgage Group Inc $1,380,000 $765,000 -44.6% 0.0%
Mortgage Network, Inc $755,000 n/a 0.0%
Axos Bank $480,000 $750,000 56.3% 0.0%
Lynx Mortgage Bank LLC $275,000 $715,000 160.0% 0.0%
Union Savings Bank $715,000 n/a 0.0%
LIMA ONE CAPITAL, LLC $1,070,000 $690,000 -35.5% 0.0%
Jeff Bank $1,280,000 $680,000 -46.9% 0.0%
Ark-La-Tex Financial Services LLC $660,000 n/a 0.0%
SHINHAN BANK AMERICA $660,000 n/a 0.0%
Velocity Commercial Capital LLC $2,110,000 $660,000 -68.7% 0.0%
Credit Union Mortgage Association Inc. $430,000 $635,000 47.7% 0.0%
Network Capital Funding Corporation $600,000 $635,000 5.8% 0.0%
FirstBank $350,000 $630,000 80.0% 0.0%
Ballston Spa National Bank $175,000 $615,000 251.4% 0.0%
Triad Financial Services Inc $345,000 $605,000 75.4% 0.0%
BNY MELLON, N.A. $4,560,000 $585,000 -87.2% 0.0%
First Alliance Home Mortgage $1,195,000 $585,000 -51.0% 0.0%
International Bank of Chicago $220,000 $575,000 161.4% 0.0%
Polish & Slavic Federal Credit Union $410,000 $545,000 32.9% 0.0%
Emigrant Mortgage Company, Inc $530,000 n/a 0.0%
RIDGEWOOD SAVINGS BANK $4,305,000 $525,000 -87.8% 0.0%
Silicon Valley Bank $525,000 n/a 0.0%
Bank-Fund Staff Federal Credit Union $510,000 n/a 0.0%
UNITY BANK $285,000 $510,000 78.9% 0.0%
East West Bank $505,000 n/a 0.0%
Industrial and Commercial Bank of China (USA) NA $495,000 n/a 0.0%
SUMA (YONKERS) FEDERAL CREDIT UNION $1,015,000 $490,000 -51.7% 0.0%
Jersey Mortgage Company $480,000 n/a 0.0%
The Honesdale National Bank $450,000 n/a 0.0%
Congressional Federal Credit Union $135,000 $445,000 229.6% 0.0%
Corning Federal Credit Union $335,000 $445,000 32.8% 0.0%
Xceed Financial Credit Union $435,000 n/a 0.0%
Norwich Commercial Group Inc $425,000 n/a 0.0%
CoreVest American Finance Lender LLC $465,000 $420,000 -9.7% 0.0%
WSFS Bank $415,000 n/a 0.0%
Dominion Financial Services $405,000 n/a 0.0%
Hartford Funding, Ltd. $605,000 $390,000 -35.5% 0.0%
21ST MORTGAGE $415,000 $385,000 -7.2% 0.0%
Fairfield County Bank $385,000 n/a 0.0%
Funding Resources Mortgage Corp $385,000 n/a 0.0%
Connexus Credit Union $380,000 n/a 0.0%
Tower Federal Credit Union $380,000 n/a 0.0%
Armed Forces Bank $375,000 n/a 0.0%
NASA Federal Credit Union $375,000 n/a 0.0%
Silver Hill Funding, LLC $2,070,000 $365,000 -82.4% 0.0%
Baxter Credit Union $410,000 $360,000 -12.2% 0.0%
Seneca Savings $360,000 n/a 0.0%
SEFCU $350,000 $350,000 0.0% 0.0%
Garden Savings Federal Credit Union $385,000 $345,000 -10.4% 0.0%
Platinum Home Mortgage Corporation $335,000 n/a 0.0%
Sharonview Federal CU $195,000 $335,000 71.8% 0.0%
Wings Financial Credit Union $355,000 $335,000 -5.6% 0.0%
BayCoast Bank $460,000 $325,000 -29.3% 0.0%
Star One Credit Union $325,000 n/a 0.0%
Kwik Mortgage Corp. $315,000 n/a 0.0%
Presidential Bank FSB $305,000 n/a 0.0%
Woori America Bank $215,000 $305,000 41.9% 0.0%
First Guaranty Mortgage Corporation $385,000 $295,000 -23.4% 0.0%
First Technology Credit Union $295,000 n/a 0.0%
Northwest Federal Credit Union $140,000 $295,000 110.7% 0.0%
Central Bank $285,000 n/a 0.0%
Guaranteed Rate Affinity LLC $285,000 n/a 0.0%
Peoples Bank $285,000 n/a 0.0%
CNB Bank $275,000 n/a 0.0%
Equity Now Inc $265,000 $275,000 3.8% 0.0%
Greater Alliance Federal Credit Union $670,000 $275,000 -59.0% 0.0%
Reverse Mortgage Funding LLC $275,000 n/a 0.0%
Texana Bank, N.A. $275,000 n/a 0.0%
MLD Mortgage Inc. $280,000 $265,000 -5.4% 0.0%
Savings Bank of Danbury $165,000 $265,000 60.6% 0.0%
Fidelity Bank $255,000 n/a 0.0%
INOVA Federal Credit Union $255,000 n/a 0.0%
Berkshire Bank $1,155,000 $250,000 -78.4% 0.0%
Community Resource Federal Credit Union $245,000 n/a 0.0%
State Farm Bank $1,955,000 $240,000 -87.7% 0.0%
First Midwest Bank $235,000 n/a 0.0%
Saratoga National Bank $235,000 n/a 0.0%
Actors Federal Credit Union $135,000 $225,000 66.7% 0.0%
Genesee Regional Bank $215,000 $225,000 4.7% 0.0%
Habib American Bank $1,905,000 $225,000 -88.2% 0.0%
The Lyons National Bank $225,000 n/a 0.0%
Chambers Bank $215,000 n/a 0.0%
Credit Human Federal Credit Union $695,000 $205,000 -70.5% 0.0%
NorthCountry Federal Credit Union $205,000 n/a 0.0%
Centier Bank $130,000 $200,000 53.8% 0.0%
Notre Dame Federal Credit Union $195,000 $195,000 0.0% 0.0%
Family First of NY FCU $185,000 n/a 0.0%
One Reverse Mortgage, LLC $730,000 $185,000 -74.7% 0.0%
NBT Bank NA $1,090,000 $175,000 -83.9% 0.0%
Magyar Bank $165,000 n/a 0.0%
Alliant Credit Union $425,000 $160,000 -62.4% 0.0%
CATHAY BANK $1,570,000 $155,000 -90.1% 0.0%
Suffolk Federal Credit Union $155,000 n/a 0.0%
S&T Bank $135,000 n/a 0.0%
Self Reliance (NY) FCU $125,000 n/a 0.0%
Empower Federal Credit Union $375,000 $115,000 -69.3% 0.0%
First Federal Bank of Kansas City $115,000 n/a 0.0%
Tyndall Federal Credit Union $115,000 n/a 0.0%
1st Constitution Bank $105,000 n/a 0.0%
Nassau Educators FCU $765,000 $105,000 -86.3% 0.0%
Fay Servicing LLC $65,000 n/a 0.0%
Justice Federal Credit Union $215,000 $65,000 -69.8% 0.0%
Anheuser Busch Employees Credit Union $305,000 $45,000 -85.2% 0.0%

POUGHKEEPSIE - NEWBURGH - MIDDLETOWN's top lender by overall market share is Quicken Loans, with 10.6% market share. In second place, with 6.4%, is Hudson Valley Federal Credit Union, having originated $371,825,000 in loans. In third place, with 4.7%, is Homestead Funding Corp., having originated $276,395,000 in loans. In third place, with 4.4%, is loanDepot LLC, having originated $258,700,000 in loans. In third place, with 3.7%, is JPMorgan Chase Bank, NA, having originated $214,450,000 in loans.


POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 8,035 $2,483,315,000 $309,062
Refi 7,612 $2,252,720,000 $295,943
Cash Out Refi 3,181 $930,985,000 $292,671
Home Improvement 905 $92,415,000 $102,116
Other 625 $90,965,000 $145,544

Poughkeepsie - Newburgh - Middletown's most frequently cited loan purpose was Home Purchase, with 8,035 originations. The 2nd most popular reason was Refi, with 7,612 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 8,440 $2,444,220,000 $289,600
2.5-3% 6,861 $2,067,525,000 $301,345
<2.5% 1,981 $481,315,000 $242,966
4-5% 1,197 $290,545,000 $242,728
5-6% 428 $49,020,000 $114,533
6-7% 197 $14,175,000 $71,954
Over 8% 89 $9,795,000 $110,056
7-8% 72 $5,760,000 $80,000

During 2020, Poughkeepsie - Newburgh - Middletown's most frequently originated rate bucket was 3-4%, with 8,440 originations.

Loan Sizing (POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 11,524 $3,259,060,000 $282,806
$100k-200k 4,697 $731,955,000 $155,835
$400k-600k 2,086 $966,820,000 $463,480
$100,000 or less 1,654 $95,090,000 $57,491
$600k-1000k 278 $197,340,000 $709,856
$Over $1MM 119 $600,135,000 $5,043,151

POUGHKEEPSIE - NEWBURGH - MIDDLETOWN's loan sizing saw the bucket of loans from $200k-400k with 11,524 originations, totaling $3,259,060,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 7,300 $2,227,830,000 $305,182
60-80% 7,272 $2,372,330,000 $326,228
40-60% 2,306 $529,280,000 $229,523
20-40% 1,108 $151,720,000 $136,931
Under 20% 887 $56,225,000 $63,388
Over 100% 179 $60,705,000 $339,134

POUGHKEEPSIE - NEWBURGH - MIDDLETOWN's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 7,300 originations, totaling $2,227,830,000 in origination value.