New York · HMDA 2025
Mortgage lenders in Richmond County, NY
249 lenders reported 10,170 home-loan applications in Richmond County in 2025. 5,384 closed as loans ($2.7B), 1,835 were denied — a 24.6% denial rate on decided applications, close to the New York rate of 23.9%. The three most active lenders handled 21% of applications, led by JPMorgan Chase Bank, National Association. 19 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 10,170
- Loans originated
- 5,384
- Purchase / refinance
- 3,193 / 1,238
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Richmond County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 860 | 8.5% | 14.1% |
| 2 | UNITED SHORE FINANCIAL SERVICES, LLC | 629 | 6.2% | — |
| 3 | Citizens Bank, National Association 54 out of 100, Below average | 608 | 6.0% | 32.5% |
| 4 | TD Bank, National Association 63 out of 100, Moderate | 556 | 5.5% | 35.3% |
| 5 | Rocket Mortgage, LLC | 497 | 4.9% | — |
| 6 | NEWREZ LLC | 469 | 4.6% | — |
| 7 | Citibank, National Association 60 out of 100, Moderate | 354 | 3.5% | 24.0% |
| 8 | PENNYMAC LOAN SERVICES, LLC | 338 | 3.3% | — |
| 9 | Bank of America, National Association 59 out of 100, Moderate | 310 | 3.0% | 44.7% |
| 10 | Municipal Credit Union 68 out of 100, Moderate | 299 | 2.9% | 40.3% |
| 11 | CROSSCOUNTRY MORTGAGE, INC. | 261 | 2.6% | — |
| 12 | Northfield Bank | 237 | 2.3% | — |
| 13 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 167 | 1.6% | 32.9% |
| 14 | Broker Solutions, Inc. | 164 | 1.6% | — |
| 15 | The Federal Savings Bank 51 out of 100, Below average | 151 | 1.5% | 19.1% |
| 16 | Royal Business Bank 68 out of 100, Moderate | 142 | 1.4% | 7.9% |
| 17 | First Central Savings Bank 57 out of 100, Moderate | 135 | 1.3% | 1.1% |
| 18 | Discover Bank | 134 | 1.3% | — |
| 19 | Flagstar Bank, N.A. 31 out of 100, Low | 125 | 1.2% | 35.1% |
| 20 | Cathay Bank 69 out of 100, Moderate | 115 | 1.1% | 9.0% |
| 21 | Bank of Hope 60 out of 100, Moderate | 113 | 1.1% | 9.1% |
| 22 | Metro City Bank 73 out of 100, Strong | 111 | 1.1% | 3.0% |
| 23 | CONTOUR MORTGAGE CORPORATION | 109 | 1.1% | — |
| 24 | PLAZA HOME MORTGAGE, INC. | 108 | 1.1% | — |
| 25 | Bethpage Federal Credit Union | 105 | 1.0% | — |
| 26 | NATIONWIDE MORTGAGE BANKERS, INC. | 99 | 1.0% | — |
| 27 | Loandepot.Com, LLC | 94 | 0.9% | — |
| 28 | A&D Mortgage LLC | 93 | 0.9% | — |
| 29 | East West Bank 70 out of 100, Strong | 86 | 0.8% | 11.6% |
| 30 | Hanover Community Bank 49 out of 100, Below average | 78 | 0.8% | 13.0% |
| 31 | CARRINGTON MORTGAGE SERVICES, LLC | 77 | 0.8% | — |
| 32 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 76 | 0.7% | 22.2% |
| 33 | GUARANTEED RATE, INC. | 76 | 0.7% | — |
| 34 | Navy Federal Credit Union 66 out of 100, Moderate | 74 | 0.7% | 32.9% |
| 35 | U.S. Bank National Association 55 out of 100, Moderate | 71 | 0.7% | 39.5% |
| 36 | WALL STREET MORTGAGE BANKERS, LTD. | 62 | 0.6% | — |
| 37 | The Dart Bank | 61 | 0.6% | — |
| 38 | CMG MORTGAGE, INC. | 60 | 0.6% | — |
| 39 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 60 | 0.6% | — |
| 40 | ARC HOME LLC | 59 | 0.6% | — |
Top 40 of 249 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
- Albany County 9,902 apps
- Rockland County 9,168 apps