New York · HMDA 2025
Mortgage lenders in Orange County, NY
286 lenders reported 13,396 home-loan applications in Orange County in 2025. 7,180 closed as loans ($2.4B), 2,505 were denied — a 24.5% denial rate on decided applications, close to the New York rate of 23.9%. The three most active lenders handled 23% of applications, led by HUDSON VALLEY CREDIT UNION. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 13,396
- Loans originated
- 7,180
- Purchase / refinance
- 3,513 / 1,996
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Orange County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | HUDSON VALLEY CREDIT UNION | 1,560 | 11.6% | — |
| 2 | Rocket Mortgage, LLC | 825 | 6.2% | — |
| 3 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 724 | 5.4% | 14.1% |
| 4 | Citizens Bank, National Association 54 out of 100, Below average | 587 | 4.4% | 32.5% |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 581 | 4.3% | — |
| 6 | NEWREZ LLC | 527 | 3.9% | — |
| 7 | CROSSCOUNTRY MORTGAGE, INC. | 424 | 3.2% | — |
| 8 | NORWICH COMMERCIAL GROUP, INC. | 387 | 2.9% | — |
| 9 | PENNYMAC LOAN SERVICES, LLC | 357 | 2.7% | — |
| 10 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 326 | 2.4% | 32.9% |
| 11 | TD Bank, National Association 63 out of 100, Moderate | 290 | 2.2% | 35.3% |
| 12 | Bank of America, National Association 59 out of 100, Moderate | 264 | 2.0% | 44.7% |
| 13 | HERITAGE FINANCIAL CREDIT UNION | 264 | 2.0% | — |
| 14 | ARK MORTGAGE, INC. | 262 | 2.0% | — |
| 15 | HOMESTEAD FUNDING CORP. | 198 | 1.5% | — |
| 16 | MID-HUDSON VALLEY Federal Credit Union 69 out of 100, Moderate | 195 | 1.5% | 36.9% |
| 17 | Loandepot.Com, LLC | 190 | 1.4% | — |
| 18 | Navy Federal Credit Union 66 out of 100, Moderate | 185 | 1.4% | 32.9% |
| 19 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 172 | 1.3% | — |
| 20 | Loan Funder LLC | 167 | 1.2% | — |
| 21 | Discover Bank | 151 | 1.1% | — |
| 22 | PLAZA HOME MORTGAGE, INC. | 134 | 1.0% | — |
| 23 | Logan Finance Corporation | 130 | 1.0% | — |
| 24 | CHAMPIONS FUNDING, LLC | 123 | 0.9% | — |
| 25 | GUARANTEED RATE, INC. | 119 | 0.9% | — |
| 26 | Citibank, National Association 60 out of 100, Moderate | 117 | 0.9% | 24.0% |
| 27 | THE LOAN STORE, INC. | 116 | 0.9% | — |
| 28 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 116 | 0.9% | — |
| 29 | Municipal Credit Union 68 out of 100, Moderate | 113 | 0.8% | 40.3% |
| 30 | Walden Savings Bank | 113 | 0.8% | — |
| 31 | FM Home Loans, LLC | 107 | 0.8% | — |
| 32 | NATIONSTAR MORTGAGE LLC | 101 | 0.8% | — |
| 33 | 1ST PRIORITY MORTGAGE, INC. | 100 | 0.7% | — |
| 34 | AMERICAN FINANCIAL NETWORK, INC. | 84 | 0.6% | — |
| 35 | FREEDOM MORTGAGE CORPORATION | 80 | 0.6% | — |
| 36 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 79 | 0.6% | 22.2% |
| 37 | 21st Mortgage Corporation | 76 | 0.6% | — |
| 38 | KeyBank National Association 63 out of 100, Moderate | 75 | 0.6% | 32.8% |
| 39 | UNITED NORTHERN MORTGAGE BANKERS LIMITED | 66 | 0.5% | — |
| 40 | LENDINGONE, LLC | 65 | 0.5% | — |
Top 40 of 286 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
- Richmond County 10,170 apps
- Albany County 9,902 apps
- Rockland County 9,168 apps