Ulster Savings Bank
Ulster Savings Bank received 608 applications in 2025 and made 496 mortgages, in 17 counties across 1 state. The median rate its borrowers got was 6.625% on a median loan of $255,000. Of 570 decisions, 51 were denials — 9.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493008GTOZI3HQKE634 |
|---|---|
| Applications received | 608 |
| Mortgages made | 496 |
| Denied | 51 |
| Approved, not taken up | 23 |
| Withdrawn or incomplete | 38 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.188 points |
| FDIC-insured bank | Yes: Ulster Savings Bank, 15 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 290 | 6.500% | $335,000 | 5.9% |
| Refinancing | 16 | 6.563% | $285,000 | 11.1% |
| Cash-out refinancing | 52 | 6.875% | $155,000 | 14.9% |
| Other purposes | 138 | 6.875% | $65,000 | 12.3% |
Where Ulster Savings Bank lends most
The 17 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Ulster County, NY | 302 | 6.750% | 8.7% |
| Orange County, NY | 51 | 6.750% | 10.0% |
| Dutchess County, NY | 48 | 6.625% | 12.3% |
| Sullivan County, NY | 27 | 6.625% | 12.9% |
| Greene County, NY | 22 | 6.625% | 12.0% |
| Delaware County, NY | 18 | 6.125% | 0.0% |
| Westchester County, NY | 9 | Under 10 loans | 0.0% |
| Columbia County, NY | 8 | Under 10 loans | 0.0% |
| Putnam County, NY | 2 | Under 10 loans | 0.0% |
| Suffolk County, NY | 2 | Under 10 loans | 25.0% |
| Albany County, NY | 1 | Under 10 loans | 0.0% |
| Broome County, NY | 1 | Under 10 loans | 0.0% |
| Montgomery County, NY | 1 | Under 10 loans | 0.0% |
| Otsego County, NY | 1 | Under 10 loans | 0.0% |
| Rockland County, NY | 1 | Under 10 loans | 0.0% |
| Saratoga County, NY | 1 | Under 10 loans | 0.0% |
| Tioga County, NY | 1 | Under 10 loans | 0.0% |
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When Ulster Savings Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.