Home purchase lenders in Orange County
3,513 home purchase mortgages were made in Orange County, New York, in 2025, by 227 lenders. The median rate their borrowers got was 6.749% on a median loan of $385,000. Of 4,243 decisions, 575 were denials — 13.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 337 | 6.625% | $385,000 | 9.3% |
| NORWICH COMMERCIAL GROUP, INC. | 260 | 6.990% | $495,000 | 5.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 252 | 6.714% | $370,000 | 3.8% |
| HOMESTEAD FUNDING CORP. | 149 | 6.500% | $385,000 | 1.3% |
| Rocket Mortgage, LLC | 120 | 6.750% | $365,000 | 21.2% |
| HUDSON VALLEY CREDIT UNION | 115 | 6.500% | $305,000 | 9.0% |
| NEWREZ LLC | 111 | 6.750% | $355,000 | 9.8% |
| ARK MORTGAGE, INC. | 108 | 7.125% | $500,000 | 2.7% |
| PENNYMAC LOAN SERVICES, LLC | 103 | 6.625% | $435,000 | 11.1% |
| JPMorgan Chase Bank, National Association | 96 | 6.490% | $355,000 | 16.1% |
| 1ST PRIORITY MORTGAGE, INC. | 82 | 6.500% | $380,000 | 5.8% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 80 | 6.750% | $390,000 | 3.3% |
| Loan Funder LLC | 63 | 9.500% | $335,000 | 23.2% |
| Loandepot.Com, LLC | 63 | 6.575% | $395,000 | 6.0% |
| Walden Savings Bank | 61 | Not published | $355,000 | 1.6% |
| GUARANTEED RATE, INC. | 60 | 6.563% | $425,000 | 7.6% |
| Logan Finance Corporation | 60 | 6.999% | $330,000 | 9.0% |
| THE LOAN STORE, INC. | 55 | 7.500% | $395,000 | 4.7% |
| FM Home Loans, LLC | 54 | 6.750% | $535,000 | 4.6% |
| HERITAGE FINANCIAL CREDIT UNION | 52 | 6.000% | $370,000 | 1.9% |
| PLAZA HOME MORTGAGE, INC. | 48 | 6.625% | $365,000 | 38.5% |
| Manufacturers and Traders Trust Company | 44 | 6.250% | $315,000 | 19.6% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 42 | 6.500% | $425,000 | 4.6% |
| Bank of America, National Association | 37 | 5.990% | $375,000 | 33.9% |
| AMERICAN FINANCIAL NETWORK, INC. | 35 | 7.250% | $385,000 | 14.6% |
| CHAMPIONS FUNDING, LLC | 33 | 7.500% | $305,000 | 15.4% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 33 | 6.750% | $395,000 | 2.7% |
| Ulster Savings Bank | 31 | 6.500% | $345,000 | 5.7% |
| EMM LOANS LLC | 31 | 6.875% | $375,000 | 2.9% |
| Navy Federal Credit Union | 28 | 6.125% | $450,000 | 14.7% |
| Kiavi Funding, Inc. | 28 | 10.450% | $255,000 | 21.1% |
| CMG MORTGAGE, INC. | 27 | 6.563% | $385,000 | 3.5% |
| Citizens Bank, National Association | 26 | 7.025% | $305,000 | 37.8% |
| CONTOUR MORTGAGE CORPORATION | 26 | 6.625% | $430,000 | 7.1% |
| Mortgage Research Center, LLC | 25 | 6.250% | $435,000 | 13.8% |
| TEG Federal Credit Union | 23 | 6.500% | $365,000 | 4.0% |
| MID-HUDSON VALLEY Federal Credit Union | 21 | 6.375% | $355,000 | 27.3% |
| TD Bank, National Association | 20 | 6.875% | $340,000 | 41.2% |
| Wells Fargo Bank, National Association | 20 | 6.250% | $350,000 | 16.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 18 | 6.688% | $370,000 | 18.2% |
| The Dart Bank | 17 | 6.490% | $385,000 | 19.2% |
| Wallkill Valley Federal Savings and Loan Association | 17 | Not published | $445,000 | 9.1% |
| Municipal Credit Union | 15 | 6.125% | $405,000 | 11.1% |
| Citadel Servicing Corporation | 15 | 7.625% | $305,000 | 9.5% |
| EAST COAST CAPITAL CORP. | 15 | 6.875% | $365,000 | 6.3% |
| Orange Bank &Trust Company | 15 | Not published | $405,000 | 0.0% |
| A&D Mortgage LLC | 14 | 6.813% | $480,000 | 17.7% |
| The Federal Savings Bank | 13 | 6.750% | $425,000 | 12.5% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 13 | 6.875% | $425,000 | 7.1% |
| TOTAL MORTGAGE SERVICES, LLC | 12 | 6.750% | $390,000 | 7.7% |
| KeyBank National Association | 12 | 6.313% | $355,000 | 20.0% |
| NQM FUNDING, LLC | 12 | 7.499% | $385,000 | 0.0% |
| Luminate Bank | 11 | 6.375% | $435,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 10 | 8.715% | $95,000 | 42.9% |
| BPL MORTGAGE TRUST, LLC | 10 | 7.313% | $345,000 | 23.5% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 10 | 6.750% | $370,000 | 16.7% |
| INTERSTATE HOME LOAN CENTER, INC. | 10 | 6.375% | $390,000 | 0.0% |
| Jeff Bank | 9 | Under 10 loans | Under 10 loans | 28.6% |
| U.S. Bank National Association | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Sierra Pacific Mortgage Company, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 79.6% |
| Emporium TPO LLC | 8 | Under 10 loans | Under 10 loans | 5.9% |
| ARC HOME LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN HERITAGE LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NJ LENDERS CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Valley National Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 46.2% |
| Quontic Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Flagstar Bank, N.A. | 7 | Under 10 loans | Under 10 loans | 36.4% |
| AMWEST FUNDING CORP. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| CLIFFCO, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 6 | Under 10 loans | Under 10 loans | 30.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT HOME FUNDING, INC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Sidney Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Prosperity Home Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| GUARANTEED RATE AFFINITY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| UNITED MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 27.3% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Fairway Independent Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MID-ISLAND MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| MORTGAGE ACCESS CORP. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| EMBRACE HOME LOANS, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| JET DIRECT FUNDING CORP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Tompkins Community Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| GREENWOOD CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 28.6% |
| PNC Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| International Bank of Chicago | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BOND STREET MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Rhinebeck Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 52.9% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NBT Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Metro City Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 3 | Under 10 loans | Under 10 loans | 40.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 25.0% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUMA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 80.0% |
| Webster Bank, National Association | 2 | Under 10 loans | Under 10 loans | 25.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 40.0% |
| LUXURY MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Dime Community Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HARTFORD FUNDING, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Provident Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Broadview Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 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% |
| PATRIOT ONE MORTGAGE BANKERS, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW MILLENNIUM BANK, INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 85.7% |
| Unity Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| FREEDOM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 66.7% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| KWIK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Business Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bank of Hope | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TrustCo Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Sawyer Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Rondout Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Nassau Educators Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Goldman Sachs Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Amalgamated Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900IRE136HFEI2562 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The People's Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIUM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUNMARK CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICU Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEVELOPER'S MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hanover Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WILLIAM RAVEIS MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UTILITIES EMPLOYEES CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANDREWS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 549300GNMONGVTFMXS97 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Midwest BankCentre | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT MORTGAGE BANKERS INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 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% |
| Brookline Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Greater Alliance Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OWNERSCHOICE FUNDING, INCORPORATED | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wayne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old Second National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Evergreen Bank Group | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENNAR MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CONSTRUCTIVE LOANS, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Ally Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDSURE MORTGAGE CORP. | 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. Another 27 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.