Mortgage closing costs in Ulster County, NY: what lenders charged in 2025

In short

On the 961 home purchase loans reported in Ulster County for 2025, the median "total loan costs" on the Closing Disclosure was $5,512, or 1.66% of the loan amount. Half the loans fell between $4,263 and $8,202. 53.4% of borrowers paid discount points (median $2,100), and 31.9% received lender credits. The median interest rate was 6.5%.

The figures

Rank in New York: 14 of 30 counties with at least 500 loans, from the highest median total loan costs. Points and credits medians are among the borrowers who paid or received them. Loan amounts in the public data are rounded to the middle of a $10,000 band.

By type of loan

Loan types with at least 100 loans in the county.

What the data covers

Home purchase loans that were originated in 2025: first liens on a site-built single-family home (1 to 4 units) that is the borrower's principal residence, excluding reverse mortgages, lines of credit and business-purpose loans, with total loan costs reported. "Total loan costs" is the amount disclosed on the Closing Disclosure (Regulation C, 12 CFR 1003.4(a)(17); Regulation Z, 12 CFR 1026.38(f)(4)). Transfer taxes, recording fees, prepaid interest, insurance and escrow deposits are not part of it.

Questions

Is my Loan Estimate expensive for Ulster County?

Compare the total of Section D ("Total Loan Costs") on your Loan Estimate with what borrowers paid in 2025: $4,263 for the cheapest quarter of loans, $5,512 at the median and $8,202 for the most expensive quarter. Above $8,202, ask the lender why and compare other offers.

What is included in total loan costs?

Origination charges, services you cannot shop for and services you can shop for, as shown in Section D of the Loan Estimate and Closing Disclosure. Transfer taxes, recording fees, prepaid items and escrow are in other sections and are not included.