Mortgage lenders in Montgomery County
832 mortgages were made in Montgomery County, New York, in 2025, by 132 lenders. The median rate their borrowers got was 6.622% on a median loan of $155,000. Of 1,198 decisions, 329 were denials — 27.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Broadview Federal Credit Union | 109 | 6.250% | $65,000 | 30.6% |
| HOMESTEAD FUNDING CORP. | 91 | 6.375% | $195,000 | 4.2% |
| Rocket Mortgage, LLC | 50 | 6.625% | $135,000 | 36.3% |
| Community Bank, National Association | 45 | 7.240% | $175,000 | 14.8% |
| NBT Bank, National Association | 42 | 5.000% | $105,000 | 44.1% |
| SEFCU SERVICES, LLC | 35 | 6.250% | $185,000 | 7.9% |
| NEWREZ LLC | 32 | 6.625% | $160,000 | 13.2% |
| KeyBank National Association | 28 | 6.375% | $115,000 | 21.1% |
| SUNMARK CREDIT UNION | 27 | 6.500% | $155,000 | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 26 | 6.545% | $190,000 | 7.1% |
| Empower Federal Credit Union | 23 | 7.250% | $55,000 | 34.2% |
| Farm Credit East, ACA | 23 | 6.750% | $185,000 | 0.0% |
| PREMIUM MORTGAGE CORPORATION | 19 | 6.625% | $195,000 | 13.6% |
| Citizens Bank, National Association | 16 | 8.400% | $105,000 | 39.3% |
| FIRST NEW YORK | 16 | 5.490% | $90,000 | 23.8% |
| CHAMPIONS FUNDING, LLC | 16 | 8.750% | $185,000 | 0.0% |
| TrustCo Bank | 14 | 6.370% | $115,000 | 26.3% |
| Sidney Federal Credit Union | 13 | 6.313% | $165,000 | 13.3% |
| Loan Funder LLC | 12 | 7.435% | $130,000 | 20.0% |
| Manufacturers and Traders Trust Company | 12 | 6.325% | $185,000 | 27.8% |
| PENNYMAC LOAN SERVICES, LLC | 10 | 6.125% | $240,000 | 28.6% |
| PLAZA HOME MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 9.1% |
| Kiavi Funding, Inc. | 8 | Under 10 loans | Under 10 loans | 42.9% |
| AMERICU Credit Union | 7 | Under 10 loans | Under 10 loans | 46.2% |
| Bank of America, National Association | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Hometown Equity Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 53.8% |
| Loandepot.Com, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Navy Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 44.4% |
| FREEDOM MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Glens Falls National Bank and Trust Company | 4 | Under 10 loans | Under 10 loans | 50.0% |
| HUDSON VALLEY CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 37.5% |
| AMWEST FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Scotia | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FIRST SOURCE | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| JPMorgan Chase Bank, National Association | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Broker Solutions, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| NATIONSTAR MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The National Bank of Coxsackie | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 45.5% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 44.4% |
| G.P.O. Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 66.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Berkshire Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Pioneer Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| EAST COAST CAPITAL CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CONTOUR MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| US MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIGURE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HUNT MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 93.3% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| GUARANTEED RATE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Brookline Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Waterman State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY RESOURCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ulster Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Savers Co-operative Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON 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% |
| Heritage Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Richmondville | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Signature Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST PRIORITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Webster Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TAMMAC HOLDINGS CORPORATION | 0 | Under 10 loans | Under 10 loans | 75.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Citadel Servicing Corporation | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| The Adirondack Trust Company | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Logan Finance Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Municipal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Connexus Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| RPE Home, Inc | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LIMA ONE CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Capital Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Third Federal Savings and Loan Association of Cleveland | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Adirondack Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CMG MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| OAKTREE FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Ballston Spa National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| TEMPLE VIEW CAPITAL FUNDING, LP | 0 | Under 10 loans | Under 10 loans | Not published |
| ALLIED MORTGAGE GROUP, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| U.S. Bank National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Fifth Third Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Churchill Funding I LLC | 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 |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Wells Fargo Bank, National Association | 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 Montgomery County
12 FDIC-insured branches from 5 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| NBT Bank, National Association | 5 | $464.5 million |
| KeyBank National Association | 3 | $352.2 million |
| Community Bank, National Association | 2 | $128.3 million |
| Beacon Bank and Trust | 1 | $67.9 million |
| TrustCo Bank | 1 | $37.0 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- Berkshire Bank, 140 Sanford Farms Plaza, Amsterdam
Get told when this changes
When the next year’s lending figures are out for Montgomery 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.