New York · HMDA 2025
Mortgage lenders in Essex County, NY
126 lenders reported 1,026 home-loan applications in Essex County in 2025. 553 closed as loans ($139.6M), 171 were denied — a 23.0% denial rate on decided applications, close to the New York rate of 23.9%. The three most active lenders handled 30% of applications, led by Community Bank, National Association. 15 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,026
- Loans originated
- 553
- Purchase / refinance
- 308 / 121
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Essex County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Community Bank, National Association 62 out of 100, Moderate | 153 | 14.9% | 18.9% |
| 2 | Rocket Mortgage, LLC | 84 | 8.2% | — |
| 3 | Glens Falls National Bank and Trust Company 66 out of 100, Moderate | 74 | 7.2% | 20.5% |
| 4 | NBT Bank, National Association 64 out of 100, Moderate | 54 | 5.3% | 23.4% |
| 5 | NEWREZ LLC | 42 | 4.1% | — |
| 6 | GUARANTEED RATE, INC. | 34 | 3.3% | — |
| 7 | Citizens Bank, National Association 54 out of 100, Below average | 29 | 2.8% | 32.5% |
| 8 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 24 | 2.3% | 14.1% |
| 9 | PENNYMAC LOAN SERVICES, LLC | 23 | 2.2% | — |
| 10 | U.S. Bank National Association 55 out of 100, Moderate | 23 | 2.2% | 39.5% |
| 11 | 21st Mortgage Corporation | 21 | 2.0% | — |
| 12 | ABSOLUTE HOME MORTGAGE CORPORATION | 20 | 1.9% | — |
| 13 | Broadview Federal Credit Union 59 out of 100, Moderate | 19 | 1.9% | 29.9% |
| 14 | TD Bank, National Association 63 out of 100, Moderate | 18 | 1.8% | 35.3% |
| 15 | UNITED SHORE FINANCIAL SERVICES, LLC | 17 | 1.7% | — |
| 16 | Navy Federal Credit Union 66 out of 100, Moderate | 16 | 1.6% | 32.9% |
| 17 | Bank of America, National Association 59 out of 100, Moderate | 16 | 1.6% | 44.7% |
| 18 | HOMESTEAD FUNDING CORP. | 16 | 1.6% | — |
| 19 | AMERICU Credit Union 48 out of 100, Below average | 15 | 1.5% | 28.4% |
| 20 | Adirondack Bank | 15 | 1.5% | — |
| 21 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 12 | 1.2% | 22.2% |
| 22 | SEFCU SERVICES, LLC | 12 | 1.2% | — |
| 23 | Loandepot.Com, LLC | 10 | 1.0% | — |
| 24 | CROSSCOUNTRY MORTGAGE, INC. | 8 | 0.8% | — |
| 25 | Mortgage Research Center, LLC | 8 | 0.8% | — |
| 26 | Sidney Federal Credit Union 67 out of 100, Moderate | 8 | 0.8% | 13.9% |
| 27 | LENDINGONE, LLC | 8 | 0.8% | — |
| 28 | NATIONSTAR MORTGAGE LLC | 8 | 0.8% | — |
| 29 | HUDSON VALLEY CREDIT UNION | 7 | 0.7% | — |
| 30 | FREEDOM MORTGAGE CORPORATION | 7 | 0.7% | — |
| 31 | CARRINGTON MORTGAGE SERVICES, LLC | 7 | 0.7% | — |
| 32 | Citibank, National Association 60 out of 100, Moderate | 7 | 0.7% | 24.0% |
| 33 | Fairway Independent Mortgage Corporation | 6 | 0.6% | — |
| 34 | Discover Bank | 6 | 0.6% | — |
| 35 | ROYAL UNITED MORTGAGE LLC | 6 | 0.6% | — |
| 36 | OWNERSCHOICE FUNDING, INCORPORATED | 6 | 0.6% | — |
| 37 | BETTER MORTGAGE CORPORATION | 6 | 0.6% | — |
| 38 | KeyBank National Association 63 out of 100, Moderate | 6 | 0.6% | 32.8% |
| 39 | PHH Mortgage Corporation | 6 | 0.6% | — |
| 40 | TRIAD FINANCIAL SERVICES, INC. | 5 | 0.5% | — |
Top 40 of 126 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