Mortgage lenders in Orange County
7,180 mortgages were made in Orange County, New York, in 2025, by 292 lenders. The median rate their borrowers got was 6.875% on a median loan of $295,000. Of 10,205 decisions, 2,505 were denials — 24.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| HUDSON VALLEY CREDIT UNION | 889 | 5.625% | $105,000 | 26.4% |
| Rocket Mortgage, LLC | 559 | 6.875% | $255,000 | 22.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 452 | 6.625% | $365,000 | 12.9% |
| NORWICH COMMERCIAL GROUP, INC. | 330 | 7.000% | $485,000 | 5.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 308 | 6.740% | $365,000 | 4.9% |
| Citizens Bank, National Association | 279 | 8.400% | $205,000 | 36.8% |
| HERITAGE FINANCIAL CREDIT UNION | 233 | 7.000% | $115,000 | 11.7% |
| NEWREZ LLC | 191 | 6.750% | $315,000 | 37.6% |
| ARK MORTGAGE, INC. | 176 | 7.250% | $435,000 | 1.7% |
| HOMESTEAD FUNDING CORP. | 162 | 6.500% | $385,000 | 1.2% |
| JPMorgan Chase Bank, National Association | 160 | 6.625% | $305,000 | 19.3% |
| Manufacturers and Traders Trust Company | 148 | 5.990% | $125,000 | 46.1% |
| Loandepot.Com, LLC | 143 | 6.750% | $265,000 | 19.0% |
| PENNYMAC LOAN SERVICES, LLC | 137 | 6.624% | $425,000 | 12.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 122 | 10.318% | $195,000 | 18.1% |
| TD Bank, National Association | 120 | 7.890% | $155,000 | 40.1% |
| MID-HUDSON VALLEY Federal Credit Union | 107 | 7.000% | $125,000 | 38.2% |
| Bank of America, National Association | 94 | 6.240% | $205,000 | 52.5% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 88 | 6.750% | $375,000 | 6.5% |
| Walden Savings Bank | 88 | Not published | $315,000 | 6.3% |
| 1ST PRIORITY MORTGAGE, INC. | 83 | 6.500% | $385,000 | 6.7% |
| Loan Funder LLC | 82 | 9.250% | $345,000 | 22.6% |
| CHAMPIONS FUNDING, LLC | 81 | 7.625% | $305,000 | 14.6% |
| THE LOAN STORE, INC. | 81 | 7.500% | $385,000 | 6.9% |
| Logan Finance Corporation | 79 | 6.999% | $355,000 | 13.0% |
| Navy Federal Credit Union | 72 | 7.650% | $225,000 | 46.7% |
| FM Home Loans, LLC | 72 | 6.990% | $475,000 | 3.5% |
| PLAZA HOME MORTGAGE, INC. | 66 | 6.625% | $365,000 | 38.0% |
| GUARANTEED RATE, INC. | 66 | 6.538% | $430,000 | 6.9% |
| Ulster Savings Bank | 51 | 6.750% | $245,000 | 10.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 45 | 6.500% | $425,000 | 4.2% |
| NATIONSTAR MORTGAGE LLC | 43 | 6.625% | $295,000 | 21.4% |
| AMERICAN FINANCIAL NETWORK, INC. | 41 | 7.375% | $395,000 | 22.6% |
| KeyBank National Association | 41 | 6.875% | $265,000 | 33.3% |
| TEG Federal Credit Union | 41 | 6.750% | $295,000 | 14.3% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 40 | 6.750% | $365,000 | 4.4% |
| Municipal Credit Union | 39 | 6.875% | $135,000 | 48.8% |
| Wells Fargo Bank, National Association | 35 | 6.375% | $255,000 | 22.2% |
| EMM LOANS LLC | 35 | 6.875% | $375,000 | 7.1% |
| Kiavi Funding, Inc. | 34 | 10.250% | $250,000 | 18.2% |
| CONTOUR MORTGAGE CORPORATION | 30 | 6.625% | $415,000 | 6.3% |
| CMG MORTGAGE, INC. | 30 | 6.625% | $370,000 | 3.1% |
| RELIANCE FIRST CAPITAL, LLC | 30 | 6.688% | $285,000 | 3.2% |
| A&D Mortgage LLC | 29 | 7.375% | $315,000 | 23.1% |
| Citadel Servicing Corporation | 27 | 7.375% | $295,000 | 8.3% |
| Wallkill Valley Federal Savings and Loan Association | 27 | Not published | $325,000 | 9.1% |
| Mortgage Research Center, LLC | 26 | 6.250% | $435,000 | 31.6% |
| Hometown Equity Mortgage, LLC | 25 | 7.250% | $335,000 | 46.8% |
| Discover Bank | 22 | 8.405% | $85,000 | 77.8% |
| FREEDOM MORTGAGE CORPORATION | 21 | 6.375% | $355,000 | 24.1% |
| PENTAGON FEDERAL CREDIT UNION | 21 | 7.500% | $175,000 | 53.3% |
| QUORUM FEDERAL CREDIT UNION | 21 | 8.750% | $145,000 | 38.3% |
| Orange Bank &Trust Company | 20 | Not published | $400,000 | 21.4% |
| Bethpage Federal Credit Union | 19 | 6.490% | $145,000 | 58.7% |
| U.S. Bank National Association | 19 | 6.625% | $265,000 | 52.5% |
| The Federal Savings Bank | 19 | 6.625% | $405,000 | 13.0% |
| BPL MORTGAGE TRUST, LLC | 19 | 7.750% | $375,000 | 20.0% |
| The Dart Bank | 19 | 6.490% | $395,000 | 21.9% |
| Valley National Bank | 19 | 6.875% | $255,000 | 29.6% |
| EAST COAST CAPITAL CORP. | 18 | 6.875% | $375,000 | 5.3% |
| Emporium TPO LLC | 17 | 7.125% | $305,000 | 11.4% |
| BETTER MORTGAGE CORPORATION | 16 | 9.500% | $130,000 | 52.9% |
| Webster Bank, National Association | 15 | 6.740% | $105,000 | 51.3% |
| Broker Solutions, Inc. | 14 | 6.875% | $395,000 | 12.5% |
| Broadview Federal Credit Union | 14 | 6.250% | $125,000 | 22.2% |
| CARRINGTON MORTGAGE SERVICES, LLC | 13 | 6.625% | $285,000 | 57.8% |
| FIGURE LENDING LLC | 13 | 8.800% | $105,000 | 48.9% |
| Citibank, National Association | 13 | 7.250% | $275,000 | 50.0% |
| TrustCo Bank | 13 | 5.750% | $185,000 | 37.5% |
| NQM FUNDING, LLC | 13 | 7.499% | $395,000 | 23.5% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 13 | 6.875% | $425,000 | 7.1% |
| TOTAL MORTGAGE SERVICES, LLC | 13 | 6.875% | $375,000 | 7.1% |
| ARC HOME LLC | 12 | 7.375% | $385,000 | 33.3% |
| AMERICAN HERITAGE LENDING, LLC | 12 | 7.438% | $300,000 | 5.9% |
| Luminate Bank | 12 | 6.375% | $435,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 11 | 8.680% | $95,000 | 43.1% |
| ICE LENDER HOLDINGS LLC | 11 | 8.000% | $405,000 | 31.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 11 | 6.750% | $325,000 | 18.2% |
| Third Federal Savings and Loan Association of Cleveland | 11 | 6.990% | $155,000 | 42.1% |
| INTERSTATE HOME LOAN CENTER, INC. | 11 | 6.375% | $395,000 | 0.0% |
| PNC Bank, National Association | 10 | 6.813% | $280,000 | 60.0% |
| Flagstar Bank, N.A. | 10 | 6.750% | $355,000 | 33.3% |
| AMWEST FUNDING CORP. | 10 | 7.188% | $235,000 | 23.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 10 | 10.490% | $345,000 | 0.0% |
| Visions Federal Credit Union | 10 | 7.250% | $155,000 | 23.1% |
| SUN WEST MORTGAGE COMPANY, INC. | 10 | 6.625% | $460,000 | 21.4% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 10 | 6.490% | $400,000 | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 10 | 6.375% | $500,000 | 0.0% |
| CLIFFCO, INC. | 10 | 6.875% | $415,000 | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 10 | 6.625% | $235,000 | 16.7% |
| PLANET HOME LENDING, LLC | 10 | 5.750% | $410,000 | 16.7% |
| 21st Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 77.8% |
| Jeff Bank | 9 | Under 10 loans | Under 10 loans | 33.3% |
| Quontic Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| NJ LENDERS CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Rhinebeck Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 9 | Under 10 loans | Under 10 loans | 10.0% |
| USAA Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 60.0% |
| PHH Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Provident Bank | 8 | Under 10 loans | Under 10 loans | 35.7% |
| RELIANT HOME FUNDING, INC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NBT Bank, National Association | 7 | Under 10 loans | Under 10 loans | 36.4% |
| DEEPHAVEN MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 25.0% |
| GUARANTEED RATE AFFINITY, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 10.0% |
| MID-ISLAND MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Sidney Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AMERICAN FINANCING CORPORATION | 5 | Under 10 loans | Under 10 loans | 60.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 47.4% |
| Nassau Educators Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 66.7% |
| Fairway Independent Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 16.7% |
| EVERETT FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| General Mortgage Capital Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 5 | Under 10 loans | Under 10 loans | 28.6% |
| MORTGAGE ACCESS CORP. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| BOND STREET MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| JET DIRECT FUNDING CORP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Tompkins Community Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 4 | Under 10 loans | Under 10 loans | 73.3% |
| FIRST COLONY MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 28.6% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 20.0% |
| TAMMAC HOLDINGS CORPORATION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| International Bank of Chicago | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWOOD CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 28.6% |
| AMERITRUST MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| DOMINION FINANCIAL SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| TEACHERS FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| HARTFORD FUNDING, LTD. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Dime Community Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICU Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PATRIOT ONE MORTGAGE BANKERS, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUMA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 84.6% |
| LUXURY MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Farmers Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hanover Community Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SUNMARK CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Presidential Bank, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Hope | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Ballston Spa National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit East, ACA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW MILLENNIUM BANK, INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| M&T REALTY CAPITAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT MORTGAGE BANKERS INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Brookline Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OWNERSCHOICE FUNDING, INCORPORATED | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Unity Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 75.0% |
| CONSTRUCTIVE LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Business Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Churchill Funding I LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900IRE136HFEI2562 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANDREWS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Sawyer Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Berkshire Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Rondout Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Peoples Security Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PCSB Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wayne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| City National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CONVENTUS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 92 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Orange County
83 FDIC-insured branches from 22 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| JPMorgan Chase Bank, National Association | 13 | $2.4 billion |
| Walden Savings Bank | 10 | $767.6 million |
| KeyBank National Association | 8 | $719.0 million |
| Manufacturers and Traders Trust Company | 7 | $818.3 million |
| Wallkill Valley Federal Savings and Loan Association | 7 | $245.0 million |
| TD Bank, National Association | 6 | $1.5 billion |
| Orange Bank & Trust Company | 6 | $1.0 billion |
| Webster Bank, National Association | 4 | $677.0 million |
| Bank of America, National Association | 3 | $757.5 million |
| Citizens Bank, National Association | 3 | $436.0 million |
| Rhinebeck Bank | 3 | $135.1 million |
| NorthEast Community Bank | 2 | $273.3 million |
| The Berkshire Bank | 2 | $106.1 million |
| Provident Bank | 1 | $247.5 million |
| ConnectOne Bank | 1 | $166.9 million |
| First Federal Savings of Middletown | 1 | $112.3 million |
| Wells Fargo Bank, National Association | 1 | $109.0 million |
| NBT Bank, National Association | 1 | $98.6 million |
| International Bank of Chicago | 1 | $61.6 million |
| Ulster Savings Bank | 1 | $52.7 million |
| Jeff Bank | 1 | $28.8 million |
| TrustCo Bank | 1 | $19.8 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- Rhinebeck Bank, 357 E Main St, Middletown
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When the next year’s lending figures are out for Orange County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.