Mortgage lenders in Dutchess County
5,064 mortgages were made in Dutchess County, New York, in 2025, by 273 lenders. The median rate their borrowers got was 6.605% on a median loan of $255,000. Of 7,300 decisions, 1,748 were denials — 24.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| HUDSON VALLEY CREDIT UNION | 1,306 | 4.500% | $105,000 | 24.5% |
| Rocket Mortgage, LLC | 383 | 6.875% | $265,000 | 22.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 204 | 6.625% | $385,000 | 3.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 176 | 6.429% | $375,000 | 15.2% |
| Citizens Bank, National Association | 167 | 8.150% | $205,000 | 35.2% |
| MID-HUDSON VALLEY Federal Credit Union | 166 | 7.000% | $155,000 | 33.8% |
| JPMorgan Chase Bank, National Association | 153 | 6.375% | $355,000 | 11.8% |
| Manufacturers and Traders Trust Company | 149 | 5.990% | $155,000 | 37.9% |
| HOMESTEAD FUNDING CORP. | 142 | 6.500% | $380,000 | 2.1% |
| NEWREZ LLC | 109 | 6.625% | $355,000 | 32.7% |
| TEG Federal Credit Union | 104 | 6.500% | $335,000 | 16.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 98 | 6.750% | $375,000 | 5.8% |
| Loandepot.Com, LLC | 89 | 6.750% | $255,000 | 14.1% |
| PENNYMAC LOAN SERVICES, LLC | 88 | 6.625% | $420,000 | 8.1% |
| TD Bank, National Association | 62 | 7.690% | $235,000 | 33.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 55 | 9.040% | $245,000 | 15.4% |
| Bank of America, National Association | 54 | 5.995% | $255,000 | 43.3% |
| KeyBank National Association | 52 | 6.625% | $320,000 | 26.8% |
| Prosperity Home Mortgage, LLC | 52 | 6.625% | $345,000 | 7.1% |
| Wells Fargo Bank, National Association | 50 | 6.500% | $330,000 | 15.3% |
| Ulster Savings Bank | 48 | 6.625% | $290,000 | 12.3% |
| TrustCo Bank | 47 | 5.875% | $225,000 | 32.9% |
| Navy Federal Credit Union | 45 | 7.750% | $185,000 | 29.7% |
| TOTAL MORTGAGE SERVICES, LLC | 43 | 6.875% | $375,000 | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 42 | 7.000% | $375,000 | 2.3% |
| Rhinebeck Bank | 41 | Not published | $335,000 | 6.8% |
| NBT Bank, National Association | 39 | 3.490% | $205,000 | 40.0% |
| PLAZA HOME MORTGAGE, INC. | 37 | 6.875% | $365,000 | 33.9% |
| Loan Funder LLC | 36 | 7.920% | $325,000 | 7.7% |
| Tompkins Community Bank | 34 | 6.250% | $220,000 | 22.7% |
| GUARANTEED RATE, INC. | 30 | 6.688% | $375,000 | 6.3% |
| NATIONSTAR MORTGAGE LLC | 29 | 6.490% | $285,000 | 23.1% |
| TOLL BROTHERS MORTGAGE COMPANY | 28 | 6.875% | $335,000 | 7.7% |
| HERITAGE FINANCIAL CREDIT UNION | 27 | 7.250% | $175,000 | 10.0% |
| MOVEMENT MORTGAGE, LLC | 22 | 6.500% | $360,000 | 0.0% |
| Bank of Millbrook | 20 | Not published | $520,000 | 4.6% |
| U.S. Bank National Association | 19 | 6.500% | $355,000 | 44.4% |
| Citibank, National Association | 18 | 6.313% | $315,000 | 35.7% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 18 | 6.495% | $370,000 | 13.6% |
| Logan Finance Corporation | 18 | 7.187% | $280,000 | 21.7% |
| Valley National Bank | 17 | 6.750% | $405,000 | 26.1% |
| The Federal Savings Bank | 16 | 6.500% | $430,000 | 15.8% |
| CHAMPIONS FUNDING, LLC | 15 | 7.750% | $265,000 | 21.1% |
| RELIANCE FIRST CAPITAL, LLC | 15 | 6.500% | $315,000 | 6.3% |
| FREEDOM MORTGAGE CORPORATION | 14 | 6.313% | $265,000 | 30.0% |
| Bethpage Federal Credit Union | 14 | 6.740% | $110,000 | 46.2% |
| Mortgage Research Center, LLC | 14 | 6.250% | $445,000 | 26.3% |
| CMG MORTGAGE, INC. | 14 | 6.500% | $390,000 | 5.9% |
| Broadview Federal Credit Union | 14 | 6.500% | $155,000 | 26.3% |
| PCSB Bank | 14 | 7.500% | $180,000 | 30.0% |
| Walden Savings Bank | 14 | Not published | $415,000 | 11.8% |
| Kiavi Funding, Inc. | 13 | 9.950% | $305,000 | 23.5% |
| Morgan Stanley Private Bank, National Association | 13 | 6.225% | $515,000 | 0.0% |
| Discover Bank | 12 | 8.610% | $55,000 | 80.3% |
| BETTER MORTGAGE CORPORATION | 12 | 7.813% | $210,000 | 57.1% |
| BPL MORTGAGE TRUST, LLC | 12 | 7.000% | $115,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 11 | 6.625% | $375,000 | 42.3% |
| The Bank of Greene County | 11 | 6.625% | $205,000 | 26.7% |
| Third Federal Savings and Loan Association of Cleveland | 10 | 6.990% | $205,000 | 52.4% |
| Brookline Bank | 10 | 6.625% | $125,000 | 28.6% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 10 | 6.688% | $430,000 | 0.0% |
| The Dart Bank | 10 | 6.433% | $385,000 | 0.0% |
| FIGURE LENDING LLC | 9 | Under 10 loans | Under 10 loans | 29.4% |
| INTERSTATE HOME LOAN CENTER, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Rondout Savings Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Hometown Equity Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| TRIAD FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 42.9% |
| ROYAL UNITED MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| PLANET HOME LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| ARC HOME LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 8 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 72.0% |
| Municipal Credit Union | 7 | Under 10 loans | Under 10 loans | 36.4% |
| A&D Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| GUARANTEED RATE AFFINITY, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| UNITED MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| 1ST PRIORITY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| EAST COAST CAPITAL CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 6 | Under 10 loans | Under 10 loans | 53.8% |
| PENTAGON FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 53.8% |
| QUORUM FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 42.9% |
| Webster Bank, National Association | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Fairway Independent Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Wallkill Valley Federal Savings and Loan Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MID-ISLAND MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Ballston Spa National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CLIFFCO, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| The People's Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWOOD CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit East, ACA | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 40.0% |
| CONTOUR MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 4 | Under 10 loans | Under 10 loans | 50.0% |
| LONGBRIDGE FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| BayCoast Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Sawyer Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUMA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 75.0% |
| NQM FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| FINANCE OF AMERICA REVERSE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| RELIANT HOME FUNDING, INC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| THE LOAN STORE, INC. | 3 | Under 10 loans | Under 10 loans | 33.3% |
| PREMIUM MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUNMARK CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WILLIAM RAVEIS MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| TEACHERS FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FM Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Dime Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UTILITIES EMPLOYEES CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 2 | Under 10 loans | Under 10 loans | 61.9% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 71.4% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 40.0% |
| ICE LENDER HOLDINGS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 20.0% |
| US MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Old Second National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SELF RELIANCE NY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Amalgamated Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900IRE136HFEI2562 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL HOME MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Unity Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Peapack-Gladstone Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Berkshire Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JET DIRECT FUNDING CORP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWAY MORTGAGE FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Evergreen Bank Group | 1 | Under 10 loans | Under 10 loans | 60.0% |
| TAMMAC HOLDINGS CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Nassau Educators Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 80.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Sidney Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICU Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Island Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Service Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| READYCAP COMMERCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Colorado Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Churchill Funding I LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| M&T REALTY CAPITAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENCORE BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Woori America Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Business Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ITHINK FINANCIAL Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First IC Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVU FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 73 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Dutchess County
68 FDIC-insured branches from 15 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Manufacturers and Traders Trust Company | 11 | $930.2 million |
| Rhinebeck Bank | 10 | $1.1 billion |
| JPMorgan Chase Bank, National Association | 7 | $1.4 billion |
| KeyBank National Association | 7 | $603.6 million |
| Bank of Millbrook | 5 | $269.8 million |
| Ulster Savings Bank | 5 | $232.8 million |
| NBT Bank, National Association | 4 | $372.4 million |
| Citizens Bank, National Association | 3 | $2.0 billion |
| Wells Fargo Bank, National Association | 3 | $407.8 million |
| Tompkins Community Bank | 3 | $327.6 million |
| TrustCo Bank | 3 | $70.7 million |
| TD Bank, National Association | 2 | $446.2 million |
| Bank of America, National Association | 2 | $383.2 million |
| Beacon Bank and Trust | 2 | $216.9 million |
| Rondout Savings Bank | 1 | $23.2 million |
Closed since the 2025 survey
4 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Citizens Bank, National Association, 6708 Route 9, Rhinebeck
- JPMorgan Chase Bank, National Association, 404 Main St, Beacon
- PCSB Bank, 144 Route 22, Pawling
- PCSB Bank, 804 Route 9, Fishkill
Get told when this changes
When the next year’s lending figures are out for Dutchess 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.