Home purchase lenders in Dutchess County
2,289 home purchase mortgages were made in Dutchess County, New York, in 2025, by 215 lenders. The median rate their borrowers got was 6.500% on a median loan of $375,000. Of 2,723 decisions, 323 were denials — 11.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| CROSSCOUNTRY MORTGAGE, INC. | 180 | 6.575% | $385,000 | 0.5% |
| HUDSON VALLEY CREDIT UNION | 173 | 6.375% | $355,000 | 11.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 148 | 6.500% | $375,000 | 9.1% |
| HOMESTEAD FUNDING CORP. | 130 | 6.500% | $395,000 | 1.5% |
| JPMorgan Chase Bank, National Association | 106 | 6.375% | $365,000 | 11.4% |
| Rocket Mortgage, LLC | 103 | 6.490% | $355,000 | 20.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 88 | 6.750% | $380,000 | 2.8% |
| PENNYMAC LOAN SERVICES, LLC | 76 | 6.625% | $430,000 | 4.9% |
| TEG Federal Credit Union | 72 | 6.500% | $395,000 | 1.3% |
| NEWREZ LLC | 64 | 6.500% | $405,000 | 7.2% |
| Prosperity Home Mortgage, LLC | 49 | 6.625% | $345,000 | 5.8% |
| MID-HUDSON VALLEY Federal Credit Union | 47 | 6.375% | $335,000 | 21.9% |
| Manufacturers and Traders Trust Company | 44 | 6.125% | $360,000 | 12.0% |
| Loandepot.Com, LLC | 35 | 6.575% | $375,000 | 2.8% |
| PLAZA HOME MORTGAGE, INC. | 33 | 6.875% | $365,000 | 20.5% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 33 | 7.000% | $365,000 | 2.9% |
| TOTAL MORTGAGE SERVICES, LLC | 33 | 6.875% | $395,000 | 0.0% |
| Wells Fargo Bank, National Association | 30 | 6.500% | $380,000 | 9.1% |
| Ulster Savings Bank | 30 | 6.500% | $345,000 | 3.0% |
| Citizens Bank, National Association | 29 | 6.625% | $465,000 | 14.3% |
| TOLL BROTHERS MORTGAGE COMPANY | 28 | 6.875% | $335,000 | 7.7% |
| KeyBank National Association | 28 | 6.500% | $440,000 | 3.5% |
| GUARANTEED RATE, INC. | 26 | 6.750% | $365,000 | 3.7% |
| Rhinebeck Bank | 25 | Not published | $385,000 | 3.9% |
| TD Bank, National Association | 23 | 6.125% | $480,000 | 20.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 23 | 6.490% | $345,000 | 23.3% |
| Bank of America, National Association | 22 | 6.245% | $385,000 | 23.3% |
| Navy Federal Credit Union | 18 | 6.438% | $375,000 | 5.3% |
| Loan Funder LLC | 17 | 10.750% | $365,000 | 10.5% |
| TrustCo Bank | 17 | 6.250% | $465,000 | 18.2% |
| MOVEMENT MORTGAGE, LLC | 17 | 6.500% | $375,000 | 0.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 16 | 6.495% | $370,000 | 15.0% |
| U.S. Bank National Association | 16 | 6.433% | $375,000 | 5.9% |
| Citibank, National Association | 15 | 6.000% | $435,000 | 11.8% |
| Mortgage Research Center, LLC | 14 | 6.250% | $445,000 | 6.7% |
| CHAMPIONS FUNDING, LLC | 13 | 7.750% | $265,000 | 13.3% |
| Bank of Millbrook | 12 | Not published | $585,000 | 0.0% |
| Tompkins Community Bank | 12 | 6.625% | $310,000 | 14.3% |
| Valley National Bank | 12 | 6.813% | $420,000 | 0.0% |
| BPL MORTGAGE TRUST, LLC | 11 | 7.000% | $115,000 | 0.0% |
| Kiavi Funding, Inc. | 10 | 9.950% | $320,000 | 23.1% |
| Walden Savings Bank | 10 | Not published | $415,000 | 16.7% |
| The Federal Savings Bank | 10 | 6.500% | $480,000 | 9.1% |
| Logan Finance Corporation | 9 | Under 10 loans | Under 10 loans | 25.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| HERITAGE FINANCIAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 42.9% |
| CMG MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 10.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 72.0% |
| GUARANTEED RATE AFFINITY, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Equity Prime Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| 1ST PRIORITY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Rondout Savings Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 45.5% |
| NBT Bank, National Association | 6 | Under 10 loans | Under 10 loans | 50.0% |
| UNITED MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Fairway Independent Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 14.3% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| EAST COAST CAPITAL CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 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% |
| Quontic Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CLIFFCO, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 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% |
| NORWICH COMMERCIAL GROUP, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| BayCoast Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUMA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit East, ACA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 42.1% |
| NQM FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Broker Solutions, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT HOME FUNDING, INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIUM MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WILLIAM RAVEIS MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Wallkill Valley Federal Savings and Loan Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Webster Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| EMBRACE HOME LOANS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UTILITIES EMPLOYEES CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MID-ISLAND MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 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% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 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% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Municipal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SELF RELIANCE NY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Amalgamated Bank | 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% |
| Unity Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Peapack-Gladstone Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Greene County | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sawyer Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JET DIRECT FUNDING CORP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Dime Community Bank | 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% |
| Evergreen Bank Group | 1 | Under 10 loans | Under 10 loans | 60.0% |
| TAMMAC HOLDINGS CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Sidney Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Service Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Broadview Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Nassau Educators Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First-Citizens Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Colorado Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900IRE136HFEI2562 | 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% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICU Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Business Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 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% |
| LYNX MORTGAGE BANK LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Hope | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ASSOCIATED MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Evolve Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Berkshire Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT MORTGAGE BANKERS INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SEFCU SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POLISH & SLAVIC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Brookline Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PCSB Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SCIENT Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Springfield | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PATRIOT ONE MORTGAGE BANKERS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN HERITAGE LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FM Home Loans, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Citadel Servicing Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BMO Bank National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Shore United Bank, N.A. | 0 | Under 10 loans | Under 10 loans | Not published |
| SUNMARK CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| German American Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| TOWER Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| ARK MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| First Central Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Farmers Bank & Trust | 0 | Under 10 loans | Under 10 loans | Not published |
| QUORUM FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| CONSTRUCTIVE LOANS, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Abacus Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| HUDSON RIVER COMMUNITY | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 15 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
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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. 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.