New York · HMDA 2025
Mortgage lenders in Westchester County, NY
340 lenders reported 22,127 home-loan applications in Westchester County in 2025. 12,211 closed as loans ($8.2B), 3,648 were denied — a 22.2% denial rate on decided applications, below the New York rate of 23.9%. The three most active lenders handled 22% of applications, led by JPMorgan Chase Bank, National Association. 18 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 22,127
- Loans originated
- 12,211
- Purchase / refinance
- 6,849 / 2,927
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Westchester County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 2,168 | 9.8% | 14.1% |
| 2 | Citizens Bank, National Association 54 out of 100, Below average | 1,565 | 7.1% | 32.5% |
| 3 | Rocket Mortgage, LLC | 1,217 | 5.5% | — |
| 4 | Citibank, National Association 60 out of 100, Moderate | 1,140 | 5.2% | 24.0% |
| 5 | Bank of America, National Association 59 out of 100, Moderate | 1,132 | 5.1% | 44.7% |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 853 | 3.9% | — |
| 7 | TD Bank, National Association 63 out of 100, Moderate | 831 | 3.8% | 35.3% |
| 8 | CROSSCOUNTRY MORTGAGE, INC. | 789 | 3.6% | — |
| 9 | NEWREZ LLC | 711 | 3.2% | — |
| 10 | HUDSON VALLEY CREDIT UNION | 686 | 3.1% | — |
| 11 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 636 | 2.9% | 22.2% |
| 12 | Loandepot.Com, LLC | 624 | 2.8% | — |
| 13 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 510 | 2.3% | 32.9% |
| 14 | PENNYMAC LOAN SERVICES, LLC | 398 | 1.8% | — |
| 15 | U.S. Bank National Association 55 out of 100, Moderate | 352 | 1.6% | 39.5% |
| 16 | Webster Bank, National Association | 334 | 1.5% | — |
| 17 | Bethpage Federal Credit Union | 289 | 1.3% | — |
| 18 | TrustCo Bank 62 out of 100, Moderate | 260 | 1.2% | 28.5% |
| 19 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 256 | 1.2% | — |
| 20 | Discover Bank | 217 | 1.0% | — |
| 21 | Municipal Credit Union 68 out of 100, Moderate | 202 | 0.9% | 40.3% |
| 22 | Morgan Stanley Private Bank, National Association 61 out of 100, Moderate | 194 | 0.9% | 4.9% |
| 23 | GUARANTEED RATE, INC. | 189 | 0.9% | — |
| 24 | UNITED NORTHERN MORTGAGE BANKERS LIMITED | 186 | 0.8% | — |
| 25 | BETTER MORTGAGE CORPORATION | 176 | 0.8% | — |
| 26 | Navy Federal Credit Union 66 out of 100, Moderate | 175 | 0.8% | 32.9% |
| 27 | Prosperity Home Mortgage, LLC | 168 | 0.8% | — |
| 28 | PLAZA HOME MORTGAGE, INC. | 167 | 0.8% | — |
| 29 | Loan Funder LLC | 148 | 0.7% | — |
| 30 | Tompkins Community Bank 60 out of 100, Moderate | 123 | 0.6% | 19.9% |
| 31 | NATIONWIDE MORTGAGE BANKERS, INC. | 115 | 0.5% | — |
| 32 | HSBC BANK USA, NATIONAL ASSOCIATION 57 out of 100, Moderate | 107 | 0.5% | 9.5% |
| 33 | CMG MORTGAGE, INC. | 105 | 0.5% | — |
| 34 | PNC Bank, National Association 62 out of 100, Moderate | 103 | 0.5% | 33.8% |
| 35 | MID-HUDSON VALLEY Federal Credit Union 69 out of 100, Moderate | 96 | 0.4% | 36.9% |
| 36 | A&D Mortgage LLC | 95 | 0.4% | — |
| 37 | CHAMPIONS FUNDING, LLC | 95 | 0.4% | — |
| 38 | Third Federal Savings and Loan Association of Cleveland 64 out of 100, Moderate | 94 | 0.4% | 35.5% |
| 39 | CONTOUR MORTGAGE CORPORATION | 94 | 0.4% | — |
| 40 | QUORUM FEDERAL CREDIT UNION 59 out of 100, Moderate | 92 | 0.4% | 36.0% |
Top 40 of 340 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
- 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
- Rockland County 9,168 apps