New York · HMDA 2025
Mortgage lenders in Dutchess County, NY
270 lenders reported 9,136 home-loan applications in Dutchess County in 2025. 5,064 closed as loans ($1.8B), 1,748 were denied — a 23.9% denial rate on decided applications, close to the New York rate of 23.9%. The three most active lenders handled 36% of applications, led by HUDSON VALLEY CREDIT UNION. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 9,136
- Loans originated
- 5,064
- Purchase / refinance
- 2,289 / 1,296
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Dutchess County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | HUDSON VALLEY CREDIT UNION | 2,258 | 24.7% | — |
| 2 | Rocket Mortgage, LLC | 558 | 6.1% | — |
| 3 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 453 | 5.0% | 14.1% |
| 4 | Citizens Bank, National Association 54 out of 100, Below average | 334 | 3.7% | 32.5% |
| 5 | MID-HUDSON VALLEY Federal Credit Union 69 out of 100, Moderate | 296 | 3.2% | 36.9% |
| 6 | NEWREZ LLC | 282 | 3.1% | — |
| 7 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 265 | 2.9% | 32.9% |
| 8 | CROSSCOUNTRY MORTGAGE, INC. | 250 | 2.7% | — |
| 9 | UNITED SHORE FINANCIAL SERVICES, LLC | 235 | 2.6% | — |
| 10 | PENNYMAC LOAN SERVICES, LLC | 199 | 2.2% | — |
| 11 | HOMESTEAD FUNDING CORP. | 173 | 1.9% | — |
| 12 | TEG Federal Credit Union 65 out of 100, Moderate | 156 | 1.7% | 15.6% |
| 13 | Bank of America, National Association 59 out of 100, Moderate | 145 | 1.6% | 44.7% |
| 14 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 137 | 1.5% | — |
| 15 | TD Bank, National Association 63 out of 100, Moderate | 124 | 1.4% | 35.3% |
| 16 | Loandepot.Com, LLC | 123 | 1.3% | — |
| 17 | Navy Federal Credit Union 66 out of 100, Moderate | 96 | 1.1% | 32.9% |
| 18 | Discover Bank | 92 | 1.0% | — |
| 19 | KeyBank National Association 63 out of 100, Moderate | 88 | 1.0% | 32.8% |
| 20 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 86 | 0.9% | 22.2% |
| 21 | TrustCo Bank 62 out of 100, Moderate | 84 | 0.9% | 28.5% |
| 22 | NBT Bank, National Association 64 out of 100, Moderate | 80 | 0.9% | 23.4% |
| 23 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 77 | 0.8% | — |
| 24 | NATIONSTAR MORTGAGE LLC | 72 | 0.8% | — |
| 25 | PLAZA HOME MORTGAGE, INC. | 68 | 0.7% | — |
| 26 | Citibank, National Association 60 out of 100, Moderate | 66 | 0.7% | 24.0% |
| 27 | Ulster Savings Bank | 64 | 0.7% | — |
| 28 | Prosperity Home Mortgage, LLC | 62 | 0.7% | — |
| 29 | GUARANTEED RATE, INC. | 56 | 0.6% | — |
| 30 | 21st Mortgage Corporation | 55 | 0.6% | — |
| 31 | U.S. Bank National Association 55 out of 100, Moderate | 55 | 0.6% | 39.5% |
| 32 | Loan Funder LLC | 54 | 0.6% | — |
| 33 | NATIONWIDE MORTGAGE BANKERS, INC. | 52 | 0.6% | — |
| 34 | TOTAL MORTGAGE SERVICES, LLC | 51 | 0.6% | — |
| 35 | Rhinebeck Bank 69 out of 100, Moderate | 47 | 0.5% | 4.5% |
| 36 | Tompkins Community Bank 60 out of 100, Moderate | 46 | 0.5% | 19.9% |
| 37 | FIRST CREDIT CORPORATION OF NEW YORK, INC. | 45 | 0.5% | — |
| 38 | PLANET HOME LENDING, LLC | 44 | 0.5% | — |
| 39 | BETTER MORTGAGE CORPORATION | 44 | 0.5% | — |
| 40 | TRIAD FINANCIAL SERVICES, INC. | 42 | 0.5% | — |
Top 40 of 270 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in New York
- Suffolk County 51,239 apps
- Nassau County 38,055 apps
- Queens County 29,227 apps
- Erie County 26,759 apps
- Kings County 26,693 apps
- Monroe County 26,027 apps
- Westchester County 22,127 apps
- Onondaga County 14,198 apps
- New York County 13,421 apps
- Orange County 13,396 apps
- Richmond County 10,170 apps
- Albany County 9,902 apps