New York · HMDA 2025
Mortgage lenders in Ulster County, NY
224 lenders reported 5,532 home-loan applications in Ulster County in 2025. 3,041 closed as loans ($948.7M), 1,113 were denied — a 25.4% denial rate on decided applications, above the New York rate of 23.9%. The three most active lenders handled 28% of applications, led by HUDSON VALLEY CREDIT UNION. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 5,532
- Loans originated
- 3,041
- Purchase / refinance
- 1,423 / 830
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Ulster County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | HUDSON VALLEY CREDIT UNION | 767 | 13.9% | — |
| 2 | MID-HUDSON VALLEY Federal Credit Union 69 out of 100, Moderate | 442 | 8.0% | 36.9% |
| 3 | Ulster Savings Bank | 364 | 6.6% | — |
| 4 | Rocket Mortgage, LLC | 351 | 6.3% | — |
| 5 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 243 | 4.4% | 14.1% |
| 6 | Citizens Bank, National Association 54 out of 100, Below average | 228 | 4.1% | 32.5% |
| 7 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 197 | 3.6% | 32.9% |
| 8 | HOMESTEAD FUNDING CORP. | 190 | 3.4% | — |
| 9 | NEWREZ LLC | 150 | 2.7% | — |
| 10 | Bank of America, National Association 59 out of 100, Moderate | 146 | 2.6% | 44.7% |
| 11 | CROSSCOUNTRY MORTGAGE, INC. | 122 | 2.2% | — |
| 12 | UNITED SHORE FINANCIAL SERVICES, LLC | 100 | 1.8% | — |
| 13 | PENNYMAC LOAN SERVICES, LLC | 85 | 1.5% | — |
| 14 | Wallkill Valley Federal Savings and Loan Association 68 out of 100, Moderate | 75 | 1.4% | 6.9% |
| 15 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 73 | 1.3% | — |
| 16 | TD Bank, National Association 63 out of 100, Moderate | 63 | 1.1% | 35.3% |
| 17 | Rondout Savings Bank | 63 | 1.1% | — |
| 18 | Discover Bank | 61 | 1.1% | — |
| 19 | Sawyer Savings Bank | 56 | 1.0% | — |
| 20 | HERITAGE FINANCIAL CREDIT UNION | 50 | 0.9% | — |
| 21 | 21st Mortgage Corporation | 49 | 0.9% | — |
| 22 | Loandepot.Com, LLC | 49 | 0.9% | — |
| 23 | The Bank of Greene County 77 out of 100, Strong | 48 | 0.9% | 24.3% |
| 24 | Loan Funder LLC | 46 | 0.8% | — |
| 25 | KeyBank National Association 63 out of 100, Moderate | 46 | 0.8% | 32.8% |
| 26 | Walden Savings Bank | 43 | 0.8% | — |
| 27 | Navy Federal Credit Union 66 out of 100, Moderate | 42 | 0.8% | 32.9% |
| 28 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 41 | 0.7% | 22.2% |
| 29 | TrustCo Bank 62 out of 100, Moderate | 35 | 0.6% | 28.5% |
| 30 | GUARANTEED RATE, INC. | 34 | 0.6% | — |
| 31 | NATIONSTAR MORTGAGE LLC | 34 | 0.6% | — |
| 32 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 33 | 0.6% | — |
| 33 | PLAZA HOME MORTGAGE, INC. | 31 | 0.6% | — |
| 34 | BETTER MORTGAGE CORPORATION | 31 | 0.6% | — |
| 35 | Citibank, National Association 60 out of 100, Moderate | 31 | 0.6% | 24.0% |
| 36 | CHAMPIONS FUNDING, LLC | 30 | 0.5% | — |
| 37 | NBT Bank, National Association 64 out of 100, Moderate | 29 | 0.5% | 23.4% |
| 38 | TEG Federal Credit Union 65 out of 100, Moderate | 26 | 0.5% | 15.6% |
| 39 | Valley National Bank 60 out of 100, Moderate | 26 | 0.5% | 21.0% |
| 40 | CARRINGTON MORTGAGE SERVICES, LLC | 24 | 0.4% | — |
Top 40 of 224 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