Mortgage lenders in Columbia County
1,160 mortgages were made in Columbia County, New York, in 2025, by 174 lenders. The median rate their borrowers got was 6.624% on a median loan of $245,000. Of 1,656 decisions, 425 were denials — 25.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| HOMESTEAD FUNDING CORP. | 126 | 6.500% | $320,000 | 2.3% |
| The Bank of Greene County | 115 | 7.000% | $155,000 | 18.2% |
| Broadview Federal Credit Union | 97 | 5.750% | $105,000 | 20.5% |
| Rocket Mortgage, LLC | 79 | 6.990% | $165,000 | 25.0% |
| HUDSON VALLEY CREDIT UNION | 62 | 4.500% | $145,000 | 33.9% |
| SUNMARK CREDIT UNION | 38 | 7.275% | $85,000 | 15.6% |
| KeyBank National Association | 37 | 6.250% | $145,000 | 41.3% |
| GUARANTEED RATE, INC. | 37 | 6.750% | $345,000 | 5.0% |
| GREYLOCK FEDERAL CREDIT UNION | 33 | 6.375% | $85,000 | 31.3% |
| JPMorgan Chase Bank, National Association | 33 | 6.500% | $505,000 | 28.3% |
| TrustCo Bank | 31 | 5.875% | $195,000 | 26.2% |
| Community Bank, National Association | 31 | 7.000% | $165,000 | 18.4% |
| Citizens Bank, National Association | 30 | 7.775% | $205,000 | 43.6% |
| Bank of America, National Association | 19 | 5.990% | $455,000 | 31.0% |
| NEWREZ LLC | 17 | 7.250% | $295,000 | 22.7% |
| MID-HUDSON VALLEY Federal Credit Union | 15 | 7.000% | $175,000 | 42.3% |
| Pioneer Bank | 14 | Not published | $180,000 | 22.2% |
| Loandepot.Com, LLC | 14 | 6.745% | $285,000 | 0.0% |
| TD Bank, National Association | 13 | 7.840% | $265,000 | 43.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 13 | 6.572% | $375,000 | 31.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 13 | 6.990% | $305,000 | 7.1% |
| Citibank, National Association | 13 | 6.250% | $795,000 | 7.1% |
| Sidney Federal Credit Union | 12 | 6.063% | $435,000 | 0.0% |
| SEFCU SERVICES, LLC | 12 | 6.063% | $295,000 | 0.0% |
| NBT Bank, National Association | 9 | Under 10 loans | Under 10 loans | 41.2% |
| Ulster Savings Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 7 | Under 10 loans | Under 10 loans | 47.1% |
| Navy Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 36.4% |
| FIRST NEW YORK | 7 | Under 10 loans | Under 10 loans | 30.0% |
| PREMIUM MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Morgan Stanley Private Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| U.S. Bank National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| NATIONSTAR MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| PENTAGON FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| PENNYMAC LOAN SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 50.0% |
| RELIANCE FIRST CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Farm Credit East, ACA | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Broker Solutions, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Sawyer Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 78.6% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 80.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Berkshire Bank | 3 | Under 10 loans | Under 10 loans | 57.1% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Brookline Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Mortgage Research Center, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The National Bank of Coxsackie | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Ballston Spa National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900IRE136HFEI2562 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Chemung Canal Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 2 | Under 10 loans | Under 10 loans | 77.8% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Rhinebeck Bank | 2 | Under 10 loans | Under 10 loans | 25.0% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The Pittsfield Co-operative Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Walden Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FM Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TEG Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valley National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 71.4% |
| FREEDOM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 75.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bank of Millbrook | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nassau Educators Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HERITAGE FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Wallkill Valley Federal Savings and Loan Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Rondout Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 9845007CY0EC0F59W414 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Municipal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIGURE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MassMutual Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Hope Bank, A National Banking Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HUNT MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UTILITIES EMPLOYEES CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOME TOWN FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ally Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Hope | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Five Star Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SELF RELIANCE NY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empower Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST PRIORITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old Second National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Merchants Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 80.0% |
| ICE LENDER HOLDINGS LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| A&D Mortgage LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| TAMMAC HOLDINGS CORPORATION | 0 | Under 10 loans | Under 10 loans | 66.7% |
| Adams Community Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Connexus Credit Union | 0 | Under 10 loans | Under 10 loans | 50.0% |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ARC HOME LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CLIFFCO, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| MILLENIUM HOME MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Baxter Credit Union | 0 | Under 10 loans | Under 10 loans | 50.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| USALLIANCE FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICU Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| German American Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| COMMUNITY RESOURCE FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| AFFINITY | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Orange Bank &Trust Company | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PHILADELPHIA FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| COASTAL Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Hometown Equity Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GUIDANCE RESIDENTIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ALLIANT CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| Ixonia Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDSURE MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Webster Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| LUXURY MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of America | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PlainsCapital Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| The Canandaigua National Bank and Trust Company | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of Pennsylvania | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
Bank branches in Columbia County
19 FDIC-insured branches from 7 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| The Bank of Greene County | 6 | $417.9 million |
| KeyBank National Association | 4 | $536.8 million |
| Community Bank, National Association | 3 | $290.7 million |
| TrustCo Bank | 3 | $98.3 million |
| TD Bank, National Association | 1 | $82.3 million |
| Beacon Bank and Trust | 1 | $56.9 million |
| Pioneer Bank, National Association | 1 | $1.0 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- Berkshire Bank, 488 Columbia Pike, New Lebanon
Get told when this changes
When the next year’s lending figures are out for Columbia County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.