Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Ulster County, New York
Every institution that decided a 1–4 unit mortgage application in Ulster County, home to Kingston, between 2023 and 2025: 10,562 applications, 7,527 loans actually funded, across 8 kinds of borrowing.
Ulster County at a glance
10,562Applications decided
2023–2025
7,527Loans funded
71% of decisions
50Census tracts
23 ZIP codes
182,109People
ACS 2023
What the data shows
The typical purchase mortgage here is $335K.
Investment home improvement is the hardest money to get here: lenders approved 56% of 135 applications.
Lending by loan type in Ulster County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 85.0% | 4,139 | $335K | 95% | 191 |
| Home improvement loans | 63.8% | 2,218 | $75K | 88% | 65 |
| Cash-out refinance | 70.5% | 1,815 | $165K | 96% | 93 |
| Refinance | 70.9% | 985 | $125K | 91% | 77 |
| Investment property purchase | 87.1% | 891 | $335K | 95% | 155 |
| Investment cash-out refinance | 75.3% | 235 | $265K | 90% | 65 |
| Investment refinance | 76.4% | 144 | $305K | 90% | 50 |
| Investment home improvement | 55.6% | 135 | $185K | 99% | 28 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.