Home purchase lenders in Ulster County
1,423 home purchase mortgages were made in Ulster County, New York, in 2025, by 186 lenders. The median rate their borrowers got was 6.500% on a median loan of $345,000. Of 1,735 decisions, 245 were denials — 14.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Ulster Savings Bank | 165 | 6.625% | $325,000 | 7.6% |
| HOMESTEAD FUNDING CORP. | 143 | 6.490% | $335,000 | 3.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 73 | 6.625% | $355,000 | 4.0% |
| HUDSON VALLEY CREDIT UNION | 52 | 6.250% | $315,000 | 6.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 52 | 6.550% | $335,000 | 14.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 48 | 6.813% | $355,000 | 8.9% |
| Rocket Mortgage, LLC | 47 | 6.625% | $305,000 | 15.8% |
| Manufacturers and Traders Trust Company | 47 | 6.375% | $395,000 | 9.4% |
| Wallkill Valley Federal Savings and Loan Association | 46 | Not published | $415,000 | 4.1% |
| MID-HUDSON VALLEY Federal Credit Union | 45 | 6.375% | $305,000 | 29.4% |
| NEWREZ LLC | 40 | 6.563% | $365,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 38 | 6.125% | $385,000 | 15.6% |
| Rondout Savings Bank | 30 | Not published | $355,000 | 14.3% |
| Bank of America, National Association | 27 | 6.125% | $385,000 | 17.1% |
| Sawyer Savings Bank | 21 | Not published | $325,000 | 16.0% |
| PENNYMAC LOAN SERVICES, LLC | 21 | 6.750% | $375,000 | 4.6% |
| Loan Funder LLC | 20 | 9.750% | $245,000 | 35.5% |
| 1ST PRIORITY MORTGAGE, INC. | 20 | 6.500% | $365,000 | 9.1% |
| Walden Savings Bank | 19 | Not published | $355,000 | 5.0% |
| HERITAGE FINANCIAL CREDIT UNION | 18 | 6.125% | $405,000 | 0.0% |
| Wells Fargo Bank, National Association | 16 | 6.375% | $480,000 | 5.9% |
| TEG Federal Credit Union | 15 | 6.750% | $365,000 | 0.0% |
| GUARANTEED RATE, INC. | 14 | 6.750% | $390,000 | 0.0% |
| Valley National Bank | 14 | 6.813% | $335,000 | 6.7% |
| Rhinebeck Bank | 14 | Not published | $350,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 13 | 6.625% | $305,000 | 30.0% |
| Citizens Bank, National Association | 11 | 6.625% | $375,000 | 45.0% |
| Mortgage Research Center, LLC | 11 | 6.250% | $405,000 | 8.3% |
| KeyBank National Association | 11 | 6.625% | $215,000 | 15.4% |
| TD Bank, National Association | 10 | 5.938% | $785,000 | 9.1% |
| NBT Bank, National Association | 10 | 6.500% | $365,000 | 8.3% |
| PREMIUM MORTGAGE CORPORATION | 10 | 6.375% | $305,000 | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 71.4% |
| FM Home Loans, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| TrustCo Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Loandepot.Com, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Prosperity Home Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Navy Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 11.1% |
| CHAMPIONS FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| The Bank of Greene County | 7 | Under 10 loans | Under 10 loans | 50.0% |
| Sidney Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 54.6% |
| TAMMAC HOLDINGS CORPORATION | 5 | Under 10 loans | Under 10 loans | 10.0% |
| CMG MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MID-ISLAND MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Orange Bank &Trust Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 4 | Under 10 loans | Under 10 loans | 68.2% |
| Jeff Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| U.S. Bank National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Community Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWOOD CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 36.4% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARK MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JET DIRECT FUNDING CORP | 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% |
| NORWICH COMMERCIAL GROUP, INC. | 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 | 31.6% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ballston Spa National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 25.0% |
| UNITED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CLIFFCO, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CONTOUR MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Advisors Mortgage Group, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Wayne Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Webster Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Broadview Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| EAST COAST CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RELIANT HOME FUNDING, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Actors Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 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% |
| Municipal Credit Union | 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% |
| 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% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The National Bank of Coxsackie | 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% |
| 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% |
| Farm Credit East, ACA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MILLENIUM HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 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% |
| Emprise Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 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% |
| FREEDOM MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Nassau Educators Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Old Second National Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Sierra Pacific Mortgage Company, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN HERITAGE LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CONVENTUS LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Quontic Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| 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% |
| 254900IRE136HFEI2562 | 0 | Under 10 loans | Under 10 loans | Not published |
| USALLIANCE FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SUNMARK CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ARC HOME LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| 549300GNMONGVTFMXS97 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| DIGITAL | 0 | Under 10 loans | Under 10 loans | Not published |
| NJ LENDERS CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| Heritage Bank National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Magnolia Bank, Incorporated | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Studio Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Stifel Bank and Trust | 0 | Under 10 loans | Under 10 loans | Not published |
| Colorado Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| The Lyons National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| GUIDANCE RESIDENTIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| DEEPHAVEN MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Empower Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of Pennsylvania | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
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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.