New York · HMDA 2025
Mortgage lenders in Putnam County, NY
203 lenders reported 3,298 home-loan applications in Putnam County in 2025. 1,878 closed as loans ($680.1M), 562 were denied — a 21.9% denial rate on decided applications, below the New York rate of 23.9%. The three most active lenders handled 31% of applications, led by HUDSON VALLEY CREDIT UNION. 15 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 3,298
- Loans originated
- 1,878
- Purchase / refinance
- 929 / 459
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Putnam County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | HUDSON VALLEY CREDIT UNION | 496 | 15.0% | — |
| 2 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 257 | 7.8% | 14.1% |
| 3 | Rocket Mortgage, LLC | 257 | 7.8% | — |
| 4 | NEWREZ LLC | 139 | 4.2% | — |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 127 | 3.9% | — |
| 6 | CROSSCOUNTRY MORTGAGE, INC. | 116 | 3.5% | — |
| 7 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 104 | 3.2% | 32.9% |
| 8 | Citizens Bank, National Association 54 out of 100, Below average | 93 | 2.8% | 32.5% |
| 9 | PENNYMAC LOAN SERVICES, LLC | 92 | 2.8% | — |
| 10 | TD Bank, National Association 63 out of 100, Moderate | 74 | 2.2% | 35.3% |
| 11 | Bank of America, National Association 59 out of 100, Moderate | 68 | 2.1% | 44.7% |
| 12 | Tompkins Community Bank 60 out of 100, Moderate | 66 | 2.0% | 19.9% |
| 13 | Citibank, National Association 60 out of 100, Moderate | 56 | 1.7% | 24.0% |
| 14 | Loandepot.Com, LLC | 54 | 1.6% | — |
| 15 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 50 | 1.5% | — |
| 16 | Navy Federal Credit Union 66 out of 100, Moderate | 47 | 1.4% | 32.9% |
| 17 | TrustCo Bank 62 out of 100, Moderate | 42 | 1.3% | 28.5% |
| 18 | PCSB Bank | 39 | 1.2% | — |
| 19 | NATIONSTAR MORTGAGE LLC | 37 | 1.1% | — |
| 20 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 35 | 1.1% | 22.2% |
| 21 | Prosperity Home Mortgage, LLC | 35 | 1.1% | — |
| 22 | Discover Bank | 33 | 1.0% | — |
| 23 | HOMESTEAD FUNDING CORP. | 30 | 0.9% | — |
| 24 | TOLL BROTHERS MORTGAGE COMPANY | 29 | 0.9% | — |
| 25 | KeyBank National Association 63 out of 100, Moderate | 29 | 0.9% | 32.8% |
| 26 | UNITED NORTHERN MORTGAGE BANKERS LIMITED | 24 | 0.7% | — |
| 27 | U.S. Bank National Association 55 out of 100, Moderate | 23 | 0.7% | 39.5% |
| 28 | Municipal Credit Union 68 out of 100, Moderate | 22 | 0.7% | 40.3% |
| 29 | PLAZA HOME MORTGAGE, INC. | 20 | 0.6% | — |
| 30 | TOTAL MORTGAGE SERVICES, LLC | 20 | 0.6% | — |
| 31 | Bethpage Federal Credit Union | 19 | 0.6% | — |
| 32 | CMG MORTGAGE, INC. | 18 | 0.5% | — |
| 33 | MID-HUDSON VALLEY Federal Credit Union 69 out of 100, Moderate | 18 | 0.5% | 36.9% |
| 34 | FREEDOM MORTGAGE CORPORATION | 18 | 0.5% | — |
| 35 | PHH Mortgage Corporation | 18 | 0.5% | — |
| 36 | GUARANTEED RATE, INC. | 17 | 0.5% | — |
| 37 | TEG Federal Credit Union 65 out of 100, Moderate | 17 | 0.5% | 15.6% |
| 38 | MOVEMENT MORTGAGE, LLC | 16 | 0.5% | — |
| 39 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 16 | 0.5% | — |
| 40 | WILLIAM RAVEIS MORTGAGE, LLC | 16 | 0.5% | — |
Top 40 of 203 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