New York · HMDA 2025
Mortgage lenders in Schoharie County, NY
112 lenders reported 970 home-loan applications in Schoharie County in 2025. 535 closed as loans ($90.8M), 200 were denied — a 26.4% denial rate on decided applications, above the New York rate of 23.9%. The three most active lenders handled 25% of applications, led by Rocket Mortgage, LLC. 18 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 970
- Loans originated
- 535
- Purchase / refinance
- 259 / 122
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Schoharie County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 82 | 8.5% | — |
| 2 | HOMESTEAD FUNDING CORP. | 82 | 8.5% | — |
| 3 | NBT Bank, National Association 64 out of 100, Moderate | 81 | 8.4% | 23.4% |
| 4 | Broadview Federal Credit Union 59 out of 100, Moderate | 63 | 6.5% | 29.9% |
| 5 | FIRST NEW YORK | 62 | 6.4% | — |
| 6 | Bank of Richmondville 77 out of 100, Strong | 38 | 3.9% | 4.0% |
| 7 | Citizens Bank, National Association 54 out of 100, Below average | 28 | 2.9% | 32.5% |
| 8 | PENNYMAC LOAN SERVICES, LLC | 26 | 2.7% | — |
| 9 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 24 | 2.5% | 14.1% |
| 10 | Community Bank, National Association 62 out of 100, Moderate | 24 | 2.5% | 18.9% |
| 11 | NEWREZ LLC | 23 | 2.4% | — |
| 12 | UNITED SHORE FINANCIAL SERVICES, LLC | 22 | 2.3% | — |
| 13 | Sidney Federal Credit Union 67 out of 100, Moderate | 20 | 2.1% | 13.9% |
| 14 | 21st Mortgage Corporation | 19 | 2.0% | — |
| 15 | SUNMARK CREDIT UNION 56 out of 100, Moderate | 19 | 2.0% | 13.3% |
| 16 | TrustCo Bank 62 out of 100, Moderate | 19 | 2.0% | 28.5% |
| 17 | SEFCU SERVICES, LLC | 18 | 1.9% | — |
| 18 | Wayne Bank 53 out of 100, Below average | 18 | 1.9% | 25.8% |
| 19 | KeyBank National Association 63 out of 100, Moderate | 16 | 1.6% | 32.8% |
| 20 | Discover Bank | 13 | 1.3% | — |
| 21 | NATIONSTAR MORTGAGE LLC | 12 | 1.2% | — |
| 22 | The National Bank of Coxsackie | 12 | 1.2% | — |
| 23 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 12 | 1.2% | 32.9% |
| 24 | Bank of America, National Association 59 out of 100, Moderate | 10 | 1.0% | 44.7% |
| 25 | Loandepot.Com, LLC | 9 | 0.9% | — |
| 26 | Mortgage Research Center, LLC | 9 | 0.9% | — |
| 27 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 8 | 0.8% | 22.2% |
| 28 | Broker Solutions, Inc. | 8 | 0.8% | — |
| 29 | PREMIUM MORTGAGE CORPORATION | 8 | 0.8% | — |
| 30 | Pioneer Bank 62 out of 100, Moderate | 8 | 0.8% | 24.6% |
| 31 | FREEDOM MORTGAGE CORPORATION | 8 | 0.8% | — |
| 32 | Navy Federal Credit Union 66 out of 100, Moderate | 7 | 0.7% | 32.9% |
| 33 | HUDSON VALLEY CREDIT UNION | 7 | 0.7% | — |
| 34 | Bethpage Federal Credit Union | 7 | 0.7% | — |
| 35 | The Bank of Greene County 77 out of 100, Strong | 6 | 0.6% | 24.3% |
| 36 | PHH Mortgage Corporation | 6 | 0.6% | — |
| 37 | Fairway Independent Mortgage Corporation | 5 | 0.5% | — |
| 38 | CMG MORTGAGE, INC. | 4 | 0.4% | — |
| 39 | TD Bank, National Association 63 out of 100, Moderate | 4 | 0.4% | 35.3% |
| 40 | A&D Mortgage LLC | 4 | 0.4% | — |
Top 40 of 112 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