New York · HMDA 2025
Mortgage lenders in Montgomery County, NY
132 lenders reported 1,553 home-loan applications in Montgomery County in 2025. 832 closed as loans ($162.8M), 329 were denied — a 27.5% denial rate on decided applications, above the New York rate of 23.9%. The three most active lenders handled 24% of applications, led by Broadview Federal Credit Union. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,553
- Loans originated
- 832
- Purchase / refinance
- 421 / 199
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Montgomery County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Broadview Federal Credit Union 59 out of 100, Moderate | 176 | 11.3% | 29.9% |
| 2 | HOMESTEAD FUNDING CORP. | 107 | 6.9% | — |
| 3 | Rocket Mortgage, LLC | 91 | 5.9% | — |
| 4 | NBT Bank, National Association 64 out of 100, Moderate | 91 | 5.9% | 23.4% |
| 5 | Community Bank, National Association 62 out of 100, Moderate | 67 | 4.3% | 18.9% |
| 6 | NEWREZ LLC | 62 | 4.0% | — |
| 7 | SEFCU SERVICES, LLC | 50 | 3.2% | — |
| 8 | PENNYMAC LOAN SERVICES, LLC | 49 | 3.2% | — |
| 9 | Citizens Bank, National Association 54 out of 100, Below average | 46 | 3.0% | 32.5% |
| 10 | Empower Federal Credit Union 59 out of 100, Moderate | 43 | 2.8% | 17.2% |
| 11 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 41 | 2.6% | 14.1% |
| 12 | KeyBank National Association 63 out of 100, Moderate | 41 | 2.6% | 32.8% |
| 13 | SUNMARK CREDIT UNION 56 out of 100, Moderate | 40 | 2.6% | 13.3% |
| 14 | UNITED SHORE FINANCIAL SERVICES, LLC | 35 | 2.3% | — |
| 15 | FIRST NEW YORK | 24 | 1.5% | — |
| 16 | Farm Credit East, ACA | 24 | 1.5% | — |
| 17 | 21st Mortgage Corporation | 23 | 1.5% | — |
| 18 | PREMIUM MORTGAGE CORPORATION | 23 | 1.5% | — |
| 19 | TrustCo Bank 62 out of 100, Moderate | 21 | 1.4% | 28.5% |
| 20 | CHAMPIONS FUNDING, LLC | 20 | 1.3% | — |
| 21 | Loan Funder LLC | 19 | 1.2% | — |
| 22 | Sidney Federal Credit Union 67 out of 100, Moderate | 19 | 1.2% | 13.9% |
| 23 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 19 | 1.2% | 32.9% |
| 24 | Discover Bank | 15 | 1.0% | — |
| 25 | AMERICU Credit Union 48 out of 100, Below average | 15 | 1.0% | 28.4% |
| 26 | Pioneer Bank 62 out of 100, Moderate | 14 | 0.9% | 24.6% |
| 27 | Kiavi Funding, Inc. | 14 | 0.9% | — |
| 28 | FREEDOM MORTGAGE CORPORATION | 14 | 0.9% | — |
| 29 | NATIONSTAR MORTGAGE LLC | 13 | 0.8% | — |
| 30 | Hometown Equity Mortgage, LLC | 13 | 0.8% | — |
| 31 | Navy Federal Credit Union 66 out of 100, Moderate | 12 | 0.8% | 32.9% |
| 32 | PLAZA HOME MORTGAGE, INC. | 12 | 0.8% | — |
| 33 | TRIAD FINANCIAL SERVICES, INC. | 11 | 0.7% | — |
| 34 | Mortgage Research Center, LLC | 11 | 0.7% | — |
| 35 | Bank of America, National Association 59 out of 100, Moderate | 11 | 0.7% | 44.7% |
| 36 | Loandepot.Com, LLC | 10 | 0.6% | — |
| 37 | Glens Falls National Bank and Trust Company 66 out of 100, Moderate | 9 | 0.6% | 20.5% |
| 38 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 9 | 0.6% | 74.7% |
| 39 | PHH Mortgage Corporation | 9 | 0.6% | — |
| 40 | HUDSON VALLEY CREDIT UNION | 8 | 0.5% | — |
Top 40 of 132 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