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 5.39% for the week of 2022-05-19, compared to the national average of 5.25% for the same period.

The average rate for the prior week (2022-05-12) was 5.44% and one month ago for the week of 2022-04-14, the average rate was 5.14%.

Poughkeepsie - Newburgh - Middletown's average rate one year ago was 3.21%.

For refis of the same type during the week of 2022-05-19, the average rate was 5.38%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-05-19 5.25%
Poughkeepsie - Newburgh - Middletown 30 Year Fixed Rate 2022-05-19 5.39%
Poughkeepsie - Newburgh - Middletown 30 Year Fixed Rate Refi 2022-05-19 5.38%
Poughkeepsie - Newburgh - Middletown 15 Year Fixed Rate 2022-05-19 5.04%
Poughkeepsie - Newburgh - Middletown 15 Year Fixed Rate Refi 2022-05-19 4.79%
Poughkeepsie - Newburgh - Middletown 30 Year FHA 2022-05-19 5.44%
Poughkeepsie - Newburgh - Middletown 30 Year FHA Refi 2022-05-19 5.58%
Poughkeepsie - Newburgh - Middletown 30 Year USDA 2022-05-19 5.59%
Poughkeepsie - Newburgh - Middletown 30 Year USDA Refi 2022-05-19 5.76%
Poughkeepsie - Newburgh - Middletown 30 Year VA 2022-05-19 5.54%
Poughkeepsie - Newburgh - Middletown 30 Year VA Refi 2022-05-19 5.04%
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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
QUICKEN LOANS, LLC 1,533 3.11% $6,068
LOANDEPOT.COM, LLC 736 2.99% $6,588
HOMESTEAD FUNDING CORP. 650 3.16% $5,012
JPMorgan Chase Bank 587 3.05% $3,873
HUDSON VALLEY CREDIT UNION 542 3.04% $3,453
UNITED WHOLESALE MORTGAGE, LLC 532 3.04% $7,427
PRIMELENDING, A PLAINSCAPITAL COMPANY 471 3.22% $5,606
Wells Fargo Bank 465 3.09% $4,303
NEWREZ LLC 345 3.17% $5,779
ARK MORTGAGE, INC. 319 3.23% $9,509
TEG Federal Credit Union 282 3.12% $3,229
HOME POINT FINANCIAL CORPORATION 271 3.15% $8,425
CROSSCOUNTRY MORTGAGE, LLC 259 3.12% $5,673
KeyBank 230 3.03% $3,763
Bank of America 202 2.61% $4,829
Manufacturers and Traders Trust Company 179 3.20% $4,671
Valley National Bank 178 3.11% $4,405
PARKSIDE LENDING, LLC 166 3.21% $10,020
CALIBER HOME LOANS, INC. 165 3.15% $5,990
ARC HOME LLC 163 3.41% $12,605
HOMEBRIDGE FINANCIAL SERVICES, INC. 152 3.17% $5,881
GUARANTEED RATE, INC. 151 3.11% $5,283
MID-HUDSON VALLEY 149 3.12% $4,554
TD Bank 144 2.92% $5,324
Mr. Cooper ( Nationstar Mortgage ) 136 3.25% $5,832
Walden Savings Bank 131 3.27% $2,436
NATIONWIDE MORTGAGE BANKERS, INC. 126 3.32% $7,440
FREEDOM MORTGAGE CORPORATION 124 3.11% $5,323
UNITED NORTHERN MORTGAGE BANKERS LIMITED 122 3.01% $6,050
FINANCE OF AMERICA MORTGAGE LLC 118 3.27% $9,985
FM Home Loans, LLC 118 3.31% $8,020
BETTER MORTGAGE CORPORATION 117 2.91% $6,197
Citizens Bank 110 2.99% $5,106
PLAZA HOME MORTGAGE, INC. 104 3.16% $7,214
Ulster Savings Bank 104 3.15% $4,479
Citibank 90 2.78% $6,412
TrustCo Bank 86 3.06% $1,891
Flagstar Bank, FSB 77 3.23% $6,024
Plains Commerce Bank 74 3.13% $5,655
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 66 3.17% $6,227
TOTAL MORTGAGE SERVICES, LLC 65 3.47% $5,718
A&D Mortgage LLC 55 3.52% $9,672
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 54 3.27% $9,603
FAMILY FIRST FUNDING LLC 49 3.05% $6,956
MOVEMENT MORTGAGE, LLC 41 3.10% $5,185
NAVY FEDERAL CREDIT UNION 41 3.46% $5,721
NJ LENDERS CORP. 40 3.10% $5,175
UNITED MORTGAGE CORP. 39 3.35% $7,344
Luxury Mortgage Corp. 36 3.01% $6,008
InterContinental Capital Group, Inc 36 3.23% $6,620
GREENWAY MORTGAGE FUNDING CORP. 33 3.23% $4,694
TBI MORTGAGE COMPANY 30 2.97% $6,156
Quontic Bank 29 5.61% $11,930
RESIDENTIAL HOME FUNDING CORP. 28 3.34% $6,295
MORTGAGE ACCESS CORP. 28 3.24% $6,774
AMERICAN FINANCIAL NETWORK, INC. 27 3.30% $17,583
MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 27 3.21% $8,947
CONTOUR MORTGAGE CORPORATION 26 3.09% $7,441
U.S. Bank 25 2.89% $5,804
The Federal Savings Bank 23 3.06% $8,229
Evolve Bank & Trust 22 3.19% $4,744
ENVOY MORTGAGE, LTD 22 3.20% $5,655
GUARANTEED RATE AFFINITY, LLC 22 3.13% $5,740
ROUNDPOINT MORTGAGE SERVICING CORPORATION 19 3.22% $5,157
CLIFFCO, INC. 19 3.24% $6,335
NBKC BANK 19 2.88% $3,944
INTERSTATE HOME LOAN CENTER, INC. 18 3.01% $5,149
AMERICAN FINANCING CORPORATION 18 3.31% $4,951
PENTAGON FEDERAL CREDIT UNION 17 3.03% $4,627
First Home Bank 17 3.24% $6,150
Carrington Mortgage Services, LLC 16 3.29% $6,353
Popular Bank 16 3.08% $5,014
First Savings Bank 15 2.96% $9,212
EMBRACE HOME LOANS, INC. 15 3.20% $5,273
TIAA, FSB 15 2.94% $5,825
First Republic Bank 14 2.70% $8,600
PHH Mortgage Corporation 14 3.32% $6,083
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 13 3.38% $6,777
HSBC BANK USA, NATIONAL ASSOCIATION 12 2.92% $5,435
PNC Bank 12 3.16% $5,080
North American Savings Bank, F.S.B. 12 2.88% $3,346
CMG MORTGAGE, INC. 12 3.14% $5,462
Municipal Credit Union 12 3.21% $4,278
CCFCU FUNDING, LLC 12 3.05% $3,624
MID-ISLAND MORTGAGE CORP. 12 3.33% $5,179
AFFINITY 11 3.05% $3,265
RELIANCE FIRST CAPITAL, LLC 11 3.18% $8,745
Morgan Stanley Private Bank 11 2.67% $6,987
East Coast Capital Corp. 11 3.16% $8,681
ACADEMY MORTGAGE CORP. 11 3.17% $7,411
MLB RESIDENTIAL LENDING, LLC 11 3.50% $8,730
BOND STREET MORTGAGE, LLC 10 3.23% $7,089
UBS Bank USA 10 2.66% $7,179
Mortgage Unlimited, L.L.C. 10 3.33% $5,386
ASSOCIATED MORTGAGE BANKERS, INC. 10 3.13% $6,069
JET DIRECT FUNDING CORP 10 3.10% $10,052
City National Bank 10 2.95% $7,532
Webster Bank 9 2.88% $7,729
Northpointe Bank 8 3.64% $5,930
United Nations Federal Credit Union 8 2.75% $5,336
Bethpage Federal Credit Union 8 3.08% $5,122
Mortgage Research Center, LLC 8 3.08% $5,113
VISIONS 8 3.04% $2,734
ABSOLUTE HOME MORTGAGE CORPORATION 7 2.96% $6,200
ALLIED MORTGAGE GROUP, INC. 7 3.25% $5,313
Bank of England 7 3.16% $5,985
EMM LOANS LLC 7 3.38% $5,107
Farm Credit East, ACA 7 3.66% $5,406
HARTFORD FUNDING, LTD. 7 3.23% $8,190
RESIDENTIAL HOME MORTGAGE CORPORATION 7 2.80% $5,374
ROYAL UNITED MORTGAGE LLC 7 3.73% $6,988
Santander Bank, N.A. 7 3.09% $5,087
SEFCU SERVICES, LLC 7 3.04% $3,914
WILLIAM RAVEIS MORTGAGE, LLC 7 2.96% $4,586
Charles Schwab Bank, SSB 6 2.35% $5,584
Sterling National Bank 6 3.25% $4,781
The Union Bank Company 6 3.27% $4,668
INLAND BANK & TRUST 6 3.15% $6,235
Lakeland Bank 5 3.10% $4,948
FirstBank 5 3.02% $2,771
First Federal Bank 5 3.18% $4,099
TEACHERS 5 2.93% $4,089
GuardHill Financial Corp. 5 2.98% $7,461
Amalgamated Bank 5 2.65% $5,031
Advisors Mortgage Group, L.L.C. 4 3.31% $4,035
PATRIOT ONE MORTGAGE BANKERS, LLC 4 3.28% $10,859
People's United Bank 4 3.03% $3,460
Equity Prime Mortgage LLC 4 3.22% $5,509
BLAIR SERVICES OF AMERICA INC. 4 3.06% $5,562
PREMIA MORTGAGE, LLC 4 3.19% $2,214
US MORTGAGE CORPORATION 4 3.25% $7,726
Atlantic Home Loans, Inc. 4 2.81% $5,095
SUNMARK FEDERAL CREDIT UNION 4 3.19% $5,378
SUMMIT MORTGAGE BANKERS INC. 4 3.53% $8,811
Stifel Bank and Trust 4 2.91% $3,227
Investors Bank 4 3.06% $4,476
OWNERSCHOICE FUNDING, INCORPORATED 4 3.31% $3,848
NORWICH COMMERCIAL GROUP, INC. 3 3.92% $5,733
FIRST ALLIANCE HOME MORTGAGE, LLC 3 3.00% $6,132
AMERICAN FEDERAL MORTGAGE CORPORATION 3 2.67% $3,504
GUIDANCE RESIDENTIAL, LLC 3 3.42% $5,642
Premium Mortgage Corporation 3 3.17% $4,230
DRAPER AND KRAMER MORTGAGE CORP. 3 2.75% $4,202
USAlliance Federal Credit Union 3 2.92% $4,949
SELF RELIANCE NY Federal Credit Union 3 2.98% $3,770
Truist Bank 3 3.16% $4,803
Sierra Pacific Mortgage Company, Inc. 3 2.88% $6,617
EVERETT FINANCIAL, INC. 2 3.50% $2,309
Meridian Bank Corporation 2 3.00% $6,286
Metro City Bank 2 4.63% $7,897
MLD MORTGAGE INC. 2 2.69% $4,290
IMPAC MORTGAGE CORP. 2 3.81% $14,350
Nassau Educators Federal Credit Union 2 2.69% $4,746
Nations Lending Corporation 2 3.19% $5,505
NATIONWIDE EQUITIES CORPORATION 2 3.06% $5,071
First Internet Bank of Indiana 2 3.06% $3,254
First Guaranty Mortgage Corporation 2 3.19% $7,615
OceanFirst Bank 2 3.00% $4,861
Magnolia Bank 2 3.13% $5,350
POLISH & SLAVIC FEDERAL CREDIT UNION 2 3.00% $4,036
EQUITY NOW INC. 2 3.25% $2,083
EMIGRANT MORTGAGE COMPANY, INC. 2 2.88% $5,940
Raymond James Bank 2 3.69% $4,677
RBC Bank, (Georgia) 2 2.63% $2,860
Community Bank 2 3.13% $2,686
Signature Federal Credit Union 2 3.00% $5,806
The Northern Trust Company 2 2.81% $10,945
Cf Bank 2 2.88% $2,566
BNY Mellon 2 2.56% $9,891
Baxter Credit Union 2 3.38% $3,809
USAA Federal Savings Bank 2 3.19% $4,094
LENOX FINANCIAL MORTGAGE CORPORATION 2 2.75% $4,392
LYNX MORTGAGE BANK LLC 2 3.56% $4,500
ADVANCIAL 1 4.38% $3,466
Savings Bank of Danbury 1 3.00% $3,647
WINGS FINANCIAL 1 2.38% $3,732
Paramount Bank 1 3.13% $5,087
Service Federal Credit Union 1 2.50% $6,335
Shamrock Home Loans, Inc. 1 2.88% $4,638
Northwest Federal Credit Union 1 2.88% $3,685
AMERICAN FINANCIAL RESOURCES, INC. 1 2.88% $8,122
Silicon Valley Bank 1 2.00% $6,224
SIRVA MORTGAGE, INC. 1 3.38% $3,781
State Department Federal Credit Union 1 2.88% $11,569
First Horizon Bank 1 2.75% $28,816
First National Bank of America 1 7.13% $12,309
SUFFOLK 1 2.88% $5,712
FIRST TECHNOLOGY 1 3.00% $4,327
FUNDING RESOURCES MORTGAGE CORPORATION 1 3.38% $4,770
SUN WEST MORTGAGE COMPANY, INC. 1 3.50% $9,901
Columbia Bank 1 3.00% $3,509
Colonial Savings, F.A. 1 3.25% $5,718
Genesee Regional Bank 1 3.63% $4,835
CIBC Bank USA 1 2.63% $12,553
The Bank of Greene County 1 3.74% $10,221
THE BRYN MAWR TRUST COMPANY 1 3.13% $4,690
NASA Federal Credit Union 1 2.88% $8,885
VAN DYK MORTGAGE CORPORATION 1 2.63% $5,500
Goldman Sachs Bank USA 1 2.25% $10,569
THRIVENT Federal Credit Union 1 3.25% $4,802
KELLER MORTGAGE, LLC 1 2.88% $3,384
Leader Bank 1 3.13% $3,488
TOWER 1 2.88% $6,607
Mortgage World Bankers, Inc. 1 3.25% $14,452
BLUELEAF LENDING, LLC 1 3.00% $4,288
Heartland Bank 1 2.75% $3,147
Berkshire Bank 1 3.38% $3,695
KINECTA 1 3.13% $6,550
Axos Bank 1 2.88% $5,167
ISLAND 1 4.00% $5,436
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 2.99% $13,114
LAND HOME FINANCIAL SERVICES, INC. 1 3.13% $4,933
Platinum Home Mortgage Corporation 1 3.63% $9,728
Discover Bank 1 3.99% $0
JERSEY MORTGAGE COMPANY OF NEW JERSEY, INC. 1 3.38% $5,347
AMERICAN INTERNET MORTGAGE, INC. 1 3.25% $5,131
DIGITAL Federal Credit Union 1 2.88% $6,898
CORNING 1 2.88% $4,728
PLANET HOME LENDING, LLC 1 3.00% $5,252
RESIDENTIAL MORTGAGE SERVICES, INC. 1 3.13% $4,060
Kearny Bank 1 2.63% $3,479
Royal Business Bank 1 4.00% $7,127
First Federal Bank of Kansas City 1 3.38% $3,459

POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY's 223 lenders originated 24,316 loans during 2021. The total origination value was $7,306,410,000, with an average loan value of $300,477.

The top POUGHKEEPSIE - NEWBURGH - MIDDLETOWN lender as defined by loan originations is QUICKEN LOANS, LLC, with 1,533 loans originated. Their average total fees are $6,068, which is $520 lower than the next largest lender, LOANDEPOT.COM, LLC.

The lowest fee POUGHKEEPSIE - NEWBURGH - MIDDLETOWN lenders (with over 10 loans originated) are TrustCo Bank ($1,891), Walden Savings Bank ($2,436), TEG Federal Credit Union ($3,229), AFFINITY ($3,265) and North American Savings Bank, F.S.B. ($3,346).

The lowest rate POUGHKEEPSIE - NEWBURGH - MIDDLETOWN lenders (with over 10 loans originated) are Bank of America (2.61%), UBS Bank USA (2.66%), Morgan Stanley Private Bank (2.67%), First Republic Bank (2.70%) and Citibank (2.78%).

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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
QUICKEN LOANS, LLC $622,380,000 $806,015,000 29.5% 11.0%
HUDSON VALLEY CREDIT UNION $371,825,000 $391,235,000 5.2% 5.4%
LOANDEPOT.COM, LLC $258,700,000 $384,550,000 48.6% 5.3%
UNITED WHOLESALE MORTGAGE, LLC $143,785,000 $286,210,000 99.1% 3.9%
JPMorgan Chase Bank $214,450,000 $283,855,000 32.4% 3.9%
HOMESTEAD FUNDING CORP. $276,395,000 $268,520,000 -2.8% 3.7%
Wells Fargo Bank $212,645,000 $259,580,000 22.1% 3.6%
PRIMELENDING, A PLAINSCAPITAL COMPANY $157,330,000 $193,730,000 23.1% 2.7%
KeyBank $109,670,000 $188,330,000 71.7% 2.6%
NEWREZ LLC $100,020,000 $173,360,000 73.3% 2.4%
HOME POINT FINANCIAL CORPORATION $50,450,000 $143,690,000 184.8% 2.0%
Bank of America $78,115,000 $128,125,000 64.0% 1.8%
CROSSCOUNTRY MORTGAGE, LLC $68,140,000 $125,750,000 84.5% 1.7%
Manufacturers and Traders Trust Company $117,025,000 $122,230,000 4.4% 1.7%
ARK MORTGAGE, INC. $102,520,000 $121,725,000 18.7% 1.7%
Mr. Cooper ( Nationstar Mortgage ) $90,485,000 $116,680,000 28.9% 1.6%
TEG Federal Credit Union $115,325,000 $109,655,000 -4.9% 1.5%
Citizens Bank $71,595,000 $109,000,000 52.2% 1.5%
New York Community Bank $107,395,000 n/a 1.5%
FREEDOM MORTGAGE CORPORATION $76,300,000 $95,910,000 25.7% 1.3%
Walden Savings Bank $93,715,000 $83,200,000 -11.2% 1.1%
Valley National Bank $93,380,000 $79,585,000 -14.8% 1.1%
CALIBER HOME LOANS, INC. $52,415,000 $77,885,000 48.6% 1.1%
Citibank $56,105,000 $75,095,000 33.8% 1.0%
Salisbury Bank and Trust Company $76,280,000 $73,970,000 -3.0% 1.0%
HOMEBRIDGE FINANCIAL SERVICES, INC. $82,335,000 $73,260,000 -11.0% 1.0%
GUARANTEED RATE, INC. $42,610,000 $73,025,000 71.4% 1.0%
Rhinebeck Bank $78,710,000 $72,680,000 -7.7% 1.0%
M&T Realty Capital Corporation $34,610,000 $72,275,000 108.8% 1.0%
TD Bank $70,225,000 $71,420,000 1.7% 1.0%
HUDSON HERITAGE $58,930,000 $69,000,000 17.1% 0.9%
ARC HOME LLC $9,095,000 $66,880,000 635.3% 0.9%
PARKSIDE LENDING, LLC $159,950,000 $63,625,000 -60.2% 0.9%
PLAZA HOME MORTGAGE, INC. $55,265,000 $58,125,000 5.2% 0.8%
Ulster Savings Bank $60,985,000 $57,400,000 -5.9% 0.8%
NATIONWIDE MORTGAGE BANKERS, INC. $28,640,000 $56,750,000 98.1% 0.8%
MID-HUDSON VALLEY $53,150,000 $55,410,000 4.3% 0.8%
BETTER MORTGAGE CORPORATION $14,300,000 $54,830,000 283.4% 0.8%
UNITED NORTHERN MORTGAGE BANKERS LIMITED $34,005,000 $53,630,000 57.7% 0.7%
FINANCE OF AMERICA MORTGAGE LLC $6,690,000 $52,570,000 685.8% 0.7%
Lakeland Bank $32,835,000 $50,035,000 52.4% 0.7%
FM Home Loans, LLC $58,160,000 $47,625,000 -18.1% 0.7%
Arbor Realty Trust, Inc. $9,830,000 $41,415,000 321.3% 0.6%
TrustCo Bank $47,855,000 $40,620,000 -15.1% 0.6%
NAVY FEDERAL CREDIT UNION $30,885,000 $36,800,000 19.2% 0.5%
WALKER & DUNLOP, LLC $36,205,000 n/a 0.5%
Orange Bank &Trust Company $16,475,000 $35,900,000 117.9% 0.5%
Flagstar Bank, FSB $37,715,000 $31,485,000 -16.5% 0.4%
Wallkill Valley Federal Savings and Loan Association $27,530,000 $31,395,000 14.0% 0.4%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $23,610,000 $30,745,000 30.2% 0.4%
Mahopac Bank $15,075,000 $30,060,000 99.4% 0.4%
Plains Commerce Bank $19,905,000 $29,180,000 46.6% 0.4%
Customers Bank $28,775,000 n/a 0.4%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $16,845,000 $28,425,000 68.7% 0.4%
Mortgage Research Center, LLC $27,950,000 $28,385,000 1.6% 0.4%
TOTAL MORTGAGE SERVICES, LLC $10,020,000 $23,760,000 137.1% 0.3%
FAMILY FIRST FUNDING LLC $20,915,000 $23,735,000 13.5% 0.3%
U.S. Bank $12,225,000 $23,095,000 88.9% 0.3%
First Republic Bank $15,775,000 $22,030,000 39.7% 0.3%
PENTAGON FEDERAL CREDIT UNION $10,790,000 $20,100,000 86.3% 0.3%
The Federal Savings Bank $22,405,000 $19,825,000 -11.5% 0.3%
Carrington Mortgage Services, LLC $25,680,000 $19,705,000 -23.3% 0.3%
MOVEMENT MORTGAGE, LLC $14,590,000 $18,730,000 28.4% 0.3%
A&D Mortgage LLC $6,160,000 $18,320,000 197.4% 0.3%
InterContinental Capital Group, Inc $10,530,000 $18,270,000 73.5% 0.3%
NJ LENDERS CORP. $11,625,000 $17,430,000 49.9% 0.2%
USAA Federal Savings Bank $27,850,000 $17,125,000 -38.5% 0.2%
UNITED MORTGAGE CORP. $9,350,000 $16,445,000 75.9% 0.2%
Morgan Stanley Private Bank $13,735,000 $15,460,000 12.6% 0.2%
BERKELEY POINT CAPITAL LLC $18,600,000 $15,305,000 -17.7% 0.2%
CONTOUR MORTGAGE CORPORATION $13,045,000 $15,205,000 16.6% 0.2%
AMERICAN FINANCIAL NETWORK, INC. $11,685,000 $14,970,000 28.1% 0.2%
GREENWAY MORTGAGE FUNDING CORP. $12,150,000 $14,320,000 17.9% 0.2%
ConnectOne Bank $5,785,000 $14,205,000 145.5% 0.2%
Provident Bank $13,485,000 n/a 0.2%
Luxury Mortgage Corp. $12,165,000 $13,235,000 8.8% 0.2%
Sawyer Savings Bank $9,930,000 $12,930,000 30.2% 0.2%
RESIDENTIAL HOME FUNDING CORP. $41,160,000 $12,845,000 -68.8% 0.2%
TBI MORTGAGE COMPANY $12,415,000 $11,730,000 -5.5% 0.2%
Bethpage Federal Credit Union $6,570,000 $11,405,000 73.6% 0.2%
Sterling National Bank $7,940,000 $11,210,000 41.2% 0.2%
RELIANCE FIRST CAPITAL, LLC $10,840,000 $11,205,000 3.4% 0.2%
Rondout Savings Bank $12,960,000 $11,110,000 -14.3% 0.2%
MORTGAGE ACCESS CORP. $8,430,000 $10,865,000 28.9% 0.1%
Columbia Bank $1,465,000 $10,430,000 611.9% 0.1%
UBS Bank USA $3,285,000 $10,430,000 217.5% 0.1%
MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. $9,470,000 $10,320,000 9.0% 0.1%
ENVOY MORTGAGE, LTD $4,275,000 $10,285,000 140.6% 0.1%
City National Bank $2,145,000 $10,225,000 376.7% 0.1%
Apple Bank for Savings $10,005,000 n/a 0.1%
Barrington Bank & Trust Company, N.A. $6,505,000 $9,715,000 49.3% 0.1%
NBKC BANK $5,920,000 $9,620,000 62.5% 0.1%
GUARANTEED RATE AFFINITY, LLC $285,000 $9,355,000 3,182.5% 0.1%
EMBRACE HOME LOANS, INC. $7,470,000 $9,145,000 22.4% 0.1%
PCSB Bank $7,540,000 $9,125,000 21.0% 0.1%
Quontic Bank $1,865,000 $8,930,000 378.8% 0.1%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $8,825,000 n/a 0.1%
PHH Mortgage Corporation $3,345,000 $8,560,000 155.9% 0.1%
Evolve Bank & Trust $4,460,000 $8,100,000 81.6% 0.1%
PNC Bank $4,135,000 $7,815,000 89.0% 0.1%
CLIFFCO, INC. $10,470,000 $7,745,000 -26.0% 0.1%
Webster Bank $7,765,000 $7,745,000 -0.3% 0.1%
Santander Bank, N.A. $3,140,000 $7,535,000 140.0% 0.1%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $855,000 $7,435,000 769.6% 0.1%
TIAA, FSB $5,210,000 $7,350,000 41.1% 0.1%
HSBC BANK USA, NATIONAL ASSOCIATION $9,255,000 $7,060,000 -23.7% 0.1%
MID-ISLAND MORTGAGE CORP. $9,945,000 $6,955,000 -30.1% 0.1%
Equity Prime Mortgage LLC $7,155,000 $6,910,000 -3.4% 0.1%
INTERSTATE HOME LOAN CENTER, INC. $5,050,000 $6,575,000 30.2% 0.1%
North American Savings Bank, F.S.B. $10,920,000 $6,555,000 -40.0% 0.1%
East Coast Capital Corp. $4,895,000 $6,490,000 32.6% 0.1%
AMERICAN FINANCING CORPORATION $2,455,000 $6,455,000 162.9% 0.1%
Municipal Credit Union $4,670,000 $6,445,000 38.0% 0.1%
JET DIRECT FUNDING CORP $4,180,000 $6,395,000 53.0% 0.1%
First Home Bank $5,240,000 $6,265,000 19.6% 0.1%
The Bank of Greene County $5,890,000 $6,235,000 5.9% 0.1%
Charles Schwab Bank, SSB $1,140,000 $5,915,000 418.9% 0.1%
LENDINGHOME FUNDING CORPORATION $3,535,000 $5,670,000 60.4% 0.1%
First Savings Bank $4,765,000 $5,645,000 18.5% 0.1%
Popular Bank $4,015,000 $5,585,000 39.1% 0.1%
CCFCU FUNDING, LLC $8,590,000 $5,550,000 -35.4% 0.1%
MLB RESIDENTIAL LENDING, LLC $6,155,000 $5,425,000 -11.9% 0.1%
United Nations Federal Credit Union $1,675,000 $5,100,000 204.5% 0.1%
BNB Bank $4,765,000 n/a 0.1%
SEFCU SERVICES, LLC $5,095,000 $4,700,000 -7.8% 0.1%
Discover Bank $2,415,000 $4,485,000 85.7% 0.1%
COREVEST AMERICAN FINANCE LENDER LLC $420,000 $4,440,000 957.1% 0.1%
EMM LOANS LLC $2,755,000 $4,285,000 55.5% 0.1%
FINANCE OF AMERICA COMMERCIAL LLC $1,050,000 $4,250,000 304.8% 0.1%
SELF RELIANCE NY Federal Credit Union $125,000 $4,130,000 3,204.0% 0.1%
AFFINITY $2,410,000 $4,105,000 70.3% 0.1%
ASSOCIATED MORTGAGE BANKERS, INC. $1,545,000 $4,045,000 161.8% 0.1%
First Federal Bank $5,955,000 $3,995,000 -32.9% 0.1%
CMG MORTGAGE, INC. $2,555,000 $3,970,000 55.4% 0.1%
Truist Bank $1,700,000 $3,955,000 132.6% 0.1%
BOND STREET MORTGAGE, LLC $2,180,000 $3,755,000 72.2% 0.1%
Mortgage Unlimited, L.L.C. $2,615,000 $3,720,000 42.3% 0.1%
Northpointe Bank $2,020,000 $3,710,000 83.7% 0.1%
Bank of England $3,350,000 $3,665,000 9.4% 0.1%
PRUDENTIAL MULTIFAMILY MORTGAGE, LLC $3,505,000 n/a 0.0%
SUN WEST MORTGAGE COMPANY, INC. $2,765,000 $3,505,000 26.8% 0.0%
ACADEMY MORTGAGE CORP. $3,100,000 $3,460,000 11.6% 0.0%
Jeff Bank $680,000 $3,335,000 390.4% 0.0%
INLAND BANK & TRUST $2,155,000 $3,220,000 49.4% 0.0%
VISIONS $2,310,000 $3,200,000 38.5% 0.0%
Third Federal Savings and Loan Association of Cleveland $1,255,000 $3,165,000 152.2% 0.0%
HARTFORD FUNDING, LTD. $390,000 $3,010,000 671.8% 0.0%
Goldman Sachs Bank USA $4,580,000 $3,005,000 -34.4% 0.0%
RESIDENTIAL HOME MORTGAGE CORPORATION $1,910,000 $2,965,000 55.2% 0.0%
ROYAL UNITED MORTGAGE LLC $3,045,000 $2,875,000 -5.6% 0.0%
ABSOLUTE HOME MORTGAGE CORPORATION $3,595,000 $2,825,000 -21.4% 0.0%
FirstBank $630,000 $2,815,000 346.8% 0.0%
GuardHill Financial Corp. $5,925,000 $2,795,000 -52.8% 0.0%
People's United Bank $4,485,000 $2,755,000 -38.6% 0.0%
US MORTGAGE CORPORATION $2,440,000 $2,655,000 8.8% 0.0%
Magnolia Bank $3,710,000 $2,605,000 -29.8% 0.0%
LIMA ONE CAPITAL, LLC $690,000 $2,530,000 266.7% 0.0%
READYCAP COMMERCIAL, LLC $2,505,000 n/a 0.0%
Atlantic Home Loans, Inc. $2,345,000 n/a 0.0%
The Union Bank Company $2,980,000 $2,335,000 -21.6% 0.0%
USAlliance Federal Credit Union $1,140,000 $2,285,000 100.4% 0.0%
Metro City Bank $2,115,000 $2,265,000 7.1% 0.0%
GUIDANCE RESIDENTIAL, LLC $2,120,000 $2,255,000 6.4% 0.0%
WILLIAM RAVEIS MORTGAGE, LLC $4,090,000 $2,205,000 -46.1% 0.0%
Chemung Canal Trust Company $2,165,000 n/a 0.0%
Sierra Pacific Mortgage Company, Inc. $28,660,000 $2,130,000 -92.6% 0.0%
The Northern Trust Company $8,115,000 $2,110,000 -74.0% 0.0%
TEACHERS $3,355,000 $2,010,000 -40.1% 0.0%
First Horizon Bank $1,995,000 n/a 0.0%
LYNX MORTGAGE BANK LLC $715,000 $1,975,000 176.2% 0.0%
CAPITAL COMMUNICATIONS Federal Credit Union $1,625,000 $1,970,000 21.2% 0.0%
Amalgamated Bank $1,835,000 $1,955,000 6.5% 0.0%
AMERICAN FEDERAL MORTGAGE CORPORATION $1,525,000 $1,920,000 25.9% 0.0%
FIRST ALLIANCE HOME MORTGAGE, LLC $585,000 $1,920,000 228.2% 0.0%
OWNERSCHOICE FUNDING, INCORPORATED $4,850,000 $1,920,000 -60.4% 0.0%
Advisors Mortgage Group, L.L.C. $2,965,000 $1,895,000 -36.1% 0.0%
ALLIED MORTGAGE GROUP, INC. $765,000 $1,885,000 146.4% 0.0%
FINANCE OF AMERICA REVERSE LLC $1,440,000 $1,875,000 30.2% 0.0%
First Guaranty Mortgage Corporation $295,000 $1,815,000 515.3% 0.0%
International Bank of Chicago $575,000 $1,795,000 212.2% 0.0%
SUMA YONKERS Federal Credit Union $490,000 $1,770,000 261.2% 0.0%
PATRIOT ONE MORTGAGE BANKERS, LLC $3,165,000 $1,735,000 -45.2% 0.0%
Farm Credit East, ACA $1,315,000 $1,690,000 28.5% 0.0%
Stifel Bank and Trust $1,430,000 $1,680,000 17.5% 0.0%
BLAIR SERVICES OF AMERICA INC. $1,230,000 $1,670,000 35.8% 0.0%
VELOCITY COMMERCIAL CAPITAL, LLC $660,000 $1,580,000 139.4% 0.0%
FIRST CREDIT CORPORATION OF NEW YORK, INC. $1,655,000 $1,570,000 -5.1% 0.0%
REVERSE MORTGAGE FUNDING LLC $275,000 $1,495,000 443.6% 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $2,055,000 $1,460,000 -29.0% 0.0%
Nations Lending Corporation $1,440,000 n/a 0.0%
AMERICAN ADVISORS GROUP $1,710,000 $1,360,000 -20.5% 0.0%
Hometown Equity Mortgage, LLC $1,355,000 n/a 0.0%
NORWICH COMMERCIAL GROUP, INC. $425,000 $1,320,000 210.6% 0.0%
PREMIA MORTGAGE, LLC $1,605,000 $1,290,000 -19.6% 0.0%
DRAPER AND KRAMER MORTGAGE CORP. $1,220,000 $1,260,000 3.3% 0.0%
Nassau Educators Federal Credit Union $105,000 $1,225,000 1,066.7% 0.0%
SUNMARK FEDERAL CREDIT UNION $1,550,000 $1,215,000 -21.6% 0.0%
Premium Mortgage Corporation $1,060,000 $1,195,000 12.7% 0.0%
SUMMIT MORTGAGE BANKERS INC. $910,000 $1,160,000 27.5% 0.0%
EMIGRANT MORTGAGE COMPANY, INC. $530,000 $1,145,000 116.0% 0.0%
Visio Financial Services Inc. $1,525,000 $1,145,000 -24.9% 0.0%
BNY Mellon $585,000 $1,120,000 91.5% 0.0%
MLD MORTGAGE INC. $265,000 $1,060,000 300.0% 0.0%
BNC National Bank $1,420,000 $1,025,000 -27.8% 0.0%
NATIONWIDE EQUITIES CORPORATION $575,000 $1,010,000 75.7% 0.0%
CIBC Bank USA $1,005,000 n/a 0.0%
Silicon Valley Bank $525,000 $1,005,000 91.4% 0.0%
Community Bank $1,180,000 $1,000,000 -15.3% 0.0%
Seneca Savings $360,000 $995,000 176.4% 0.0%
Cf Bank $2,910,000 $970,000 -66.7% 0.0%
Raymond James Bank $930,000 n/a 0.0%
Mortgage World Bankers, Inc. $1,800,000 $910,000 -49.4% 0.0%
CONSTRUCTIVE LOANS, LLC $185,000 $885,000 378.4% 0.0%
BayCoast Bank $325,000 $865,000 166.2% 0.0%
First Internet Bank of Indiana $1,565,000 $860,000 -45.0% 0.0%
OceanFirst Bank $1,075,000 $860,000 -20.0% 0.0%
STATE EMPLOYEES FEDERAL CREDIT UNION $350,000 $860,000 145.7% 0.0%
Union Savings Bank $715,000 $840,000 17.5% 0.0%
DIGITAL Federal Credit Union $845,000 $820,000 -3.0% 0.0%
POLISH & SLAVIC FEDERAL CREDIT UNION $545,000 $805,000 47.7% 0.0%
EQUITY NOW INC. $275,000 $795,000 189.1% 0.0%
Signature Federal Credit Union $790,000 n/a 0.0%
LENDINGONE, LLC $1,610,000 $785,000 -51.2% 0.0%
FAY SERVICING, LLC $65,000 $765,000 1,076.9% 0.0%
NETWORK CAPITAL FUNDING CORPORATION $635,000 $760,000 19.7% 0.0%
AmRes Corporation $755,000 n/a 0.0%
QUORUM FEDERAL CREDIT UNION $1,825,000 $735,000 -59.7% 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $205,000 $730,000 256.1% 0.0%
Paramount Bank $3,030,000 $720,000 -76.2% 0.0%
Savings Bank of Danbury $265,000 $690,000 160.4% 0.0%
Peoples Security Bank and Trust Company $675,000 n/a 0.0%
Unity Bank $510,000 $665,000 30.4% 0.0%
Investors Bank $104,755,000 $660,000 -99.4% 0.0%
Stride Bank $660,000 n/a 0.0%
Toyota Financial Savings Bank $955,000 $645,000 -32.5% 0.0%
WALL STREET MORTGAGE BANKERS, LTD. $2,630,000 $640,000 -75.7% 0.0%
AMERICAN INTERNET MORTGAGE, INC. $1,385,000 $625,000 -54.9% 0.0%
Baxter Credit Union $360,000 $600,000 66.7% 0.0%
PLANET HOME LENDING, LLC $595,000 n/a 0.0%
21ST MORTGAGE CORPORATION $385,000 $590,000 53.2% 0.0%
GREENWOOD $570,000 n/a 0.0%
Service Federal Credit Union $560,000 n/a 0.0%
State Department Federal Credit Union $560,000 n/a 0.0%
IMPAC MORTGAGE CORP. $550,000 n/a 0.0%
EVERETT FINANCIAL, INC. $530,000 n/a 0.0%
TOWER $380,000 $530,000 39.5% 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $660,000 $525,000 -20.5% 0.0%
BOKF $520,000 n/a 0.0%
RBC Bank, (Georgia) $510,000 n/a 0.0%
The National Bank of Coxsackie $1,180,000 $510,000 -56.8% 0.0%
BLUELEAF LENDING, LLC $485,000 n/a 0.0%
Cathay Bank $155,000 $470,000 203.2% 0.0%
Northwest Federal Credit Union $295,000 $470,000 59.3% 0.0%
Berkshire Bank $250,000 $465,000 86.0% 0.0%
Kearny Bank $10,560,000 $465,000 -95.6% 0.0%
MID AMERICA MORTGAGE, INC. $465,000 n/a 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $2,570,000 $460,000 -82.1% 0.0%
Meridian Bank Corporation $2,500,000 $450,000 -82.0% 0.0%
Northwest Community Bank $450,000 n/a 0.0%
KELLER MORTGAGE, LLC $445,000 n/a 0.0%
Pinnacle Bank $445,000 n/a 0.0%
RESIDENTIAL MORTGAGE SERVICES, INC. $3,010,000 $445,000 -85.2% 0.0%
Genesee Regional Bank $225,000 $425,000 88.9% 0.0%
The Dime Bank $1,660,000 $420,000 -74.7% 0.0%
UNIFY FINANCIAL Credit Union $405,000 n/a 0.0%
Axos Bank $750,000 $395,000 -47.3% 0.0%
Ballston Spa National Bank $615,000 $395,000 -35.8% 0.0%
First National Bank of America $385,000 n/a 0.0%
THE BRYN MAWR TRUST COMPANY $355,000 n/a 0.0%
FUNDING RESOURCES MORTGAGE CORPORATION $385,000 $335,000 -13.0% 0.0%
Platinum Home Mortgage Corporation $335,000 $335,000 0.0% 0.0%
The Huntington National Bank $1,185,000 $330,000 -72.2% 0.0%
FIRST TECHNOLOGY $295,000 $325,000 10.2% 0.0%
MOUNTAIN MORTGAGE CORP. $325,000 n/a 0.0%
NATIONAL COOPERATIVE BANK, N.A. $325,000 n/a 0.0%
PROPONENT Federal Credit Union $320,000 n/a 0.0%
ATHAS CAPITAL GROUP, INC. $845,000 $315,000 -62.7% 0.0%
NASA Federal Credit Union $375,000 $315,000 -16.0% 0.0%
CORNING $445,000 $310,000 -30.3% 0.0%
KINECTA $310,000 n/a 0.0%
First Federal Bank of Kansas City $115,000 $305,000 165.2% 0.0%
SIRVA MORTGAGE, INC. $305,000 n/a 0.0%
SUFFOLK $155,000 $295,000 90.3% 0.0%
ADVANCIAL $285,000 n/a 0.0%
Blue Ridge Bank $285,000 n/a 0.0%
Leader Bank $285,000 n/a 0.0%
Farmers Bank & Trust $275,000 n/a 0.0%
GENERAL ELECTRIC EMPLOYEES FEDERAL CREDIT UNION $275,000 n/a 0.0%
ISLAND $265,000 n/a 0.0%
NBT Bank $175,000 $265,000 51.4% 0.0%
Royal Business Bank $265,000 n/a 0.0%
East West Bank $505,000 $260,000 -48.5% 0.0%
ALLEGACY FEDERAL CREDIT UNION $255,000 n/a 0.0%
SILVER HILL FUNDING, LLC $365,000 $255,000 -30.1% 0.0%
WINGS FINANCIAL $335,000 $255,000 -23.9% 0.0%
Shamrock Home Loans, Inc. $245,000 n/a 0.0%
UNITED SECURITY FINANCIAL CORP $245,000 n/a 0.0%
American Airlines Federal Credit Union $460,000 $235,000 -48.9% 0.0%
Centier Bank $200,000 $235,000 17.5% 0.0%
Country Bank for Savings $235,000 n/a 0.0%
Saratoga National Bank and Trust Company $235,000 $235,000 0.0% 0.0%
TEMPLE VIEW CAPITAL FUNDING, LP $1,940,000 $235,000 -87.9% 0.0%
Ardent Federal Credit Union $225,000 n/a 0.0%
LAND HOME FINANCIAL SERVICES, INC. $1,350,000 $225,000 -83.3% 0.0%
UKRAINIAN NATIONAL Federal Credit Union $855,000 $205,000 -76.0% 0.0%
THRIVENT Federal Credit Union $195,000 n/a 0.0%
ALLIANT CREDIT UNION $160,000 $185,000 15.6% 0.0%
NP, Inc. $185,000 n/a 0.0%
WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION $445,000 $175,000 -60.7% 0.0%
Heartland Bank $165,000 n/a 0.0%
JERSEY MORTGAGE COMPANY OF NEW JERSEY, INC. $480,000 $165,000 -65.6% 0.0%
BAYPORT FUNDING LLC $155,000 n/a 0.0%
TOGETHER CREDIT UNION $45,000 $155,000 244.4% 0.0%
TRIAD FINANCIAL SERVICES, INC. $605,000 $150,000 -75.2% 0.0%
Colonial Savings, F.A. $815,000 $125,000 -84.7% 0.0%
VAN DYK MORTGAGE CORPORATION $805,000 $125,000 -84.5% 0.0%
Axiom Bank, N.A. $115,000 $115,000 0.0% 0.0%
UTILITIES EMPLOYEES CREDIT UNION $115,000 n/a 0.0%
STAR USA FEDERAL CREDIT UNION $75,000 n/a 0.0%
GARDEN SAVINGS FEDERAL CREDIT UNION $345,000 $65,000 -81.2% 0.0%
GREATER ALLIANCE $275,000 $65,000 -76.4% 0.0%
PEOPLE'S ALLIANCE FEDERAL CREDIT UNION $55,000 n/a 0.0%
The Honesdale National Bank $450,000 $45,000 -90.0% 0.0%
ALTRA $25,000 n/a 0.0%
Home Loan Investment Bank, F.S.B. $15,000 n/a 0.0%
TCF National Bank $4,880,000 $15,000 -99.7% 0.0%

POUGHKEEPSIE - NEWBURGH - MIDDLETOWN's top lender by overall market share is QUICKEN LOANS, LLC, with 11.0% market share. In second place, with 5.4%, is HUDSON VALLEY CREDIT UNION, having originated $391,235,000 in loans. In third place, with 5.3%, is LOANDEPOT.COM, LLC, having originated $384,550,000 in loans. In third place, with 3.9%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $286,210,000 in loans. In third place, with 3.9%, is JPMorgan Chase Bank, having originated $283,855,000 in loans.


POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 9,672 $3,373,430,000 $348,783
Refi 7,401 $2,096,665,000 $283,295
Cash Out Refi 5,099 $1,522,785,000 $298,644
Home Improvement 1,378 $179,130,000 $129,993
Other 766 $134,400,000 $175,457

Poughkeepsie - Newburgh - Middletown's most frequently cited loan purpose was Home Purchase, with 9,672 originations. The 2nd most popular reason was Refi, with 7,401 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 9,429 $2,910,305,000 $308,655
3-4% 8,520 $2,742,480,000 $321,887
<2.5% 4,358 $1,050,330,000 $241,012
4-5% 635 $128,715,000 $202,701
5-6% 390 $44,000,000 $112,821
6-7% 130 $11,160,000 $85,846
Over 8% 79 $8,655,000 $109,557
7-8% 64 $6,530,000 $102,031

During 2021, Poughkeepsie - Newburgh - Middletown's most frequently originated rate bucket was 2.5-3%, with 9,429 originations.

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

Loan Size Originations Total Value Average Loan
$200k-400k 13,225 $3,791,155,000 $286,666
$100k-200k 5,392 $837,240,000 $155,274
$400k-600k 2,939 $1,382,365,000 $470,352
$100,000 or less 2,077 $121,845,000 $58,664
$600k-1000k 489 $339,405,000 $694,080
$Over $1MM 194 $834,400,000 $4,301,031

POUGHKEEPSIE - NEWBURGH - MIDDLETOWN's loan sizing saw the bucket of loans from $200k-400k with 13,225 originations, totaling $3,791,155,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 8,892 $3,048,790,000 $342,869
80-100% 7,718 $2,560,320,000 $331,734
40-60% 3,560 $863,340,000 $242,511
20-40% 1,707 $261,195,000 $153,014
Under 20% 1,336 $72,330,000 $54,139
Over 100% 158 $62,090,000 $392,975

POUGHKEEPSIE - NEWBURGH - MIDDLETOWN's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 8,892 originations, totaling $3,048,790,000 in origination value.