Mortgage lenders in Ulster County
3,041 mortgages were made in Ulster County, New York, in 2025, by 226 lenders. The median rate their borrowers got was 6.750% on a median loan of $255,000. Of 4,376 decisions, 1,113 were denials — 25.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| HUDSON VALLEY CREDIT UNION | 416 | 5.875% | $115,000 | 28.3% |
| Ulster Savings Bank | 302 | 6.750% | $245,000 | 8.7% |
| MID-HUDSON VALLEY Federal Credit Union | 258 | 7.000% | $105,000 | 33.4% |
| Rocket Mortgage, LLC | 223 | 6.750% | $235,000 | 25.4% |
| HOMESTEAD FUNDING CORP. | 154 | 6.490% | $335,000 | 3.7% |
| Manufacturers and Traders Trust Company | 122 | 5.990% | $175,000 | 31.5% |
| Citizens Bank, National Association | 97 | 8.150% | $165,000 | 40.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 83 | 6.740% | $345,000 | 10.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 66 | 6.500% | $330,000 | 19.5% |
| NEWREZ LLC | 60 | 6.625% | $335,000 | 32.6% |
| JPMorgan Chase Bank, National Association | 57 | 6.375% | $335,000 | 20.3% |
| Wallkill Valley Federal Savings and Loan Association | 56 | Not published | $415,000 | 4.9% |
| Bank of America, National Association | 51 | 6.375% | $265,000 | 43.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 51 | 6.750% | $355,000 | 9.8% |
| HERITAGE FINANCIAL CREDIT UNION | 45 | 6.750% | $215,000 | 10.0% |
| Sawyer Savings Bank | 38 | Not published | $220,000 | 13.6% |
| Rondout Savings Bank | 37 | Not published | $345,000 | 22.9% |
| Walden Savings Bank | 32 | Not published | $275,000 | 8.6% |
| Loandepot.Com, LLC | 31 | 6.750% | $335,000 | 25.6% |
| TD Bank, National Association | 28 | 7.690% | $240,000 | 30.0% |
| The Bank of Greene County | 27 | 7.250% | $205,000 | 36.4% |
| KeyBank National Association | 26 | 6.750% | $155,000 | 38.1% |
| PENNYMAC LOAN SERVICES, LLC | 26 | 6.625% | $375,000 | 13.3% |
| Wells Fargo Bank, National Association | 24 | 6.438% | $410,000 | 17.2% |
| Loan Funder LLC | 23 | 9.750% | $245,000 | 36.1% |
| Navy Federal Credit Union | 23 | 7.750% | $125,000 | 36.1% |
| CHAMPIONS FUNDING, LLC | 22 | 7.563% | $285,000 | 18.5% |
| NBT Bank, National Association | 21 | 5.750% | $230,000 | 18.5% |
| 1ST PRIORITY MORTGAGE, INC. | 21 | 6.500% | $365,000 | 8.7% |
| GUARANTEED RATE, INC. | 20 | 6.800% | $365,000 | 0.0% |
| Valley National Bank | 20 | 6.813% | $325,000 | 16.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 19 | 9.910% | $195,000 | 20.0% |
| Rhinebeck Bank | 19 | Not published | $335,000 | 0.0% |
| TEG Federal Credit Union | 18 | 6.625% | $345,000 | 5.3% |
| TrustCo Bank | 17 | 5.990% | $255,000 | 39.3% |
| PLAZA HOME MORTGAGE, INC. | 17 | 6.625% | $305,000 | 29.6% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 15 | 7.000% | $325,000 | 0.0% |
| FM Home Loans, LLC | 14 | 7.250% | $350,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 13 | 6.875% | $255,000 | 12.5% |
| PNC Bank, National Association | 12 | 6.750% | $315,000 | 33.3% |
| Mortgage Research Center, LLC | 12 | 6.250% | $405,000 | 14.3% |
| Discover Bank | 11 | 8.610% | $105,000 | 75.6% |
| Logan Finance Corporation | 10 | 8.063% | $415,000 | 16.7% |
| PREMIUM MORTGAGE CORPORATION | 10 | 6.375% | $305,000 | 9.1% |
| Prosperity Home Mortgage, LLC | 10 | 6.875% | $345,000 | 9.1% |
| 21st Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 70.0% |
| Broadview Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 50.0% |
| Citibank, National Association | 9 | Under 10 loans | Under 10 loans | 16.7% |
| RELIANCE FIRST CAPITAL, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| BETTER MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 50.0% |
| ICE LENDER HOLDINGS LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Sidney Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 11.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 50.0% |
| Morgan Stanley Private Bank, National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Kiavi Funding, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Community Bank, National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| FIGURE LENDING LLC | 6 | Under 10 loans | Under 10 loans | 26.7% |
| USAA Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 53.8% |
| Webster Bank, National Association | 6 | Under 10 loans | Under 10 loans | 30.0% |
| CMG MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MID-ISLAND MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 68.4% |
| U.S. Bank National Association | 5 | Under 10 loans | Under 10 loans | 54.6% |
| ARK MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 5 | Under 10 loans | Under 10 loans | 10.0% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| CLIFFCO, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Orange Bank &Trust Company | 5 | Under 10 loans | Under 10 loans | 16.7% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 4 | Under 10 loans | Under 10 loans | 68.2% |
| FREEDOM MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 60.0% |
| Broker Solutions, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Jeff Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ROYAL UNITED MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 44.4% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| QUORUM FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| USALLIANCE FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GREENWOOD CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 36.4% |
| Third Federal Savings and Loan Association of Cleveland | 3 | Under 10 loans | Under 10 loans | 70.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 66.7% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 12.5% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Municipal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| UNITED MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| JET DIRECT FUNDING CORP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 3 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The People's Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 35.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| CONTOUR MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nassau Educators Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Wayne Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LUXURY MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ballston Spa National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Goldman Sachs Bank USA | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Provident Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STANFORD Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit East, ACA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RELIANT HOME FUNDING, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RPE Home, Inc | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Ocean Financial Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The National Bank of Coxsackie | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Actors Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FOUNDATION MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Amalgamated Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Western Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tompkins Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Evergreen Bank Group | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WILLIAM RAVEIS MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ally Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Unity Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTA POSTAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SPECTRA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Brighton Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT MORTGAGE BANKERS INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SEFCU SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Scotia | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MILLENIUM HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Signature Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HARTFORD FUNDING, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genesee Regional Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OWNERSCHOICE FUNDING, INCORPORATED | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Chemung Canal Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emprise Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BOKF, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 87.5% |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN HERITAGE LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 66.7% |
| ARC HOME LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Old Second National Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900IRE136HFEI2562 | 0 | Under 10 loans | Under 10 loans | Not published |
| Sierra Pacific Mortgage Company, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| DIGITAL | 0 | Under 10 loans | Under 10 loans | Not published |
| Connexus Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Island Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| THE LOAN STORE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SUNMARK CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Griffin Funding, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| American Airlines Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 26 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Ulster County
42 FDIC-insured branches from 16 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Ulster Savings Bank | 9 | $951.8 million |
| Manufacturers and Traders Trust Company | 5 | $595.2 million |
| Rondout Savings Bank | 4 | $426.1 million |
| KeyBank National Association | 4 | $335.1 million |
| Sawyer Savings Bank | 4 | $234.2 million |
| Bank of America, National Association | 3 | $389.6 million |
| JPMorgan Chase Bank, National Association | 2 | $304.5 million |
| The Bank of Greene County | 2 | $226.7 million |
| Wallkill Valley Federal Savings and Loan Association | 2 | $171.8 million |
| Wells Fargo Bank, National Association | 1 | $833.3 million |
| Citizens Bank, National Association | 1 | $192.8 million |
| TD Bank, National Association | 1 | $77.7 million |
| Rhinebeck Bank | 1 | $76.8 million |
| Webster Bank, National Association | 1 | $56.3 million |
| NBT Bank, National Association | 1 | $54.4 million |
| Walden Savings Bank | 1 | $52.0 million |
Closed since the 2025 survey
2 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Community Bank, National Association, 4141 State Highway 28, Boiceville
- TrustCo Bank, 3580 Route 9 W, Highland
Get told when this changes
When the next year’s lending figures are out for Ulster 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.