Mortgage lenders in Essex County
552 mortgages were made in Essex County, New York, in 2025, by 125 lenders. The median rate their borrowers got was 6.625% on a median loan of $185,000. Of 743 decisions, 171 were denials — 23.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Community Bank, National Association | 115 | 6.990% | $185,000 | 14.8% |
| Rocket Mortgage, LLC | 60 | 6.990% | $165,000 | 17.3% |
| Glens Falls National Bank and Trust Company | 41 | 5.990% | $155,000 | 25.9% |
| NBT Bank, National Association | 39 | 5.000% | $95,000 | 20.0% |
| GUARANTEED RATE, INC. | 20 | 6.700% | $195,000 | 13.0% |
| NEWREZ LLC | 18 | 6.375% | $150,000 | 14.3% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 14 | 7.125% | $210,000 | 12.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 12 | 6.500% | $240,000 | 7.7% |
| Citizens Bank, National Association | 11 | 7.900% | $215,000 | 45.5% |
| Broadview Federal Credit Union | 11 | 4.990% | $155,000 | 31.3% |
| HOMESTEAD FUNDING CORP. | 11 | 6.250% | $255,000 | 0.0% |
| U.S. Bank National Association | 10 | 6.938% | $265,000 | 41.2% |
| SEFCU SERVICES, LLC | 10 | 6.313% | $285,000 | 8.3% |
| Bank of America, National Association | 9 | Under 10 loans | Under 10 loans | 18.2% |
| TD Bank, National Association | 8 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICU Credit Union | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Adirondack Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Loandepot.Com, LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Sidney Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Mortgage Research Center, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Navy Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Wells Fargo Bank, National Association | 4 | Under 10 loans | Under 10 loans | 42.9% |
| JPMorgan Chase Bank, National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| OWNERSCHOICE FUNDING, INCORPORATED | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Citibank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Northpointe Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 62.5% |
| PENNYMAC LOAN SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FREEDOM MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SUNMARK CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HUDSON VALLEY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NATIONSTAR MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIGURE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| RELIANCE FIRST CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Municipal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ballston Spa National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit East, ACA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Genesee Regional Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Chemung Canal Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Broker Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST NEW YORK | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT HOME FUNDING, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Millbrook | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONTINENTAL MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HERITAGE FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BOND STREET MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Greene County | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLIFFCO, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 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% |
| MILLENIUM HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valley National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 60.0% |
| TrustCo Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Farmers Bank & Trust | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| DOMINION FINANCIAL SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 50.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| LIMA ONE CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Service Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Pioneer Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| OceanFirst Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Griffin Funding, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ARC HOME LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HUNT MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| G.P.O. Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PFN Lending Group, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERITRUST MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| CONTOUR MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Signature Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Nassau Educators Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CITIZENS EQUITY FIRST | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HUDSON RIVER COMMUNITY | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Deutsche Bank Trust Company Americas | 0 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| The Lyons National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| LUXURY MORTGAGE CORP. | 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 |
| Empower Federal Credit Union | 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 Essex County
18 FDIC-insured branches from 5 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Champlain National Bank | 6 | $320.9 million |
| Arrow Bank National Association | 4 | $177.8 million |
| NBT Bank, National Association | 3 | $276.2 million |
| Community Bank, National Association | 3 | $117.7 million |
| Adirondack Bank | 2 | $33.8 million |
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When the next year’s lending figures are out for Essex 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.