Mortgage lenders in Putnam County
1,878 mortgages were made in Putnam County, New York, in 2025, by 205 lenders. The median rate their borrowers got was 6.625% on a median loan of $305,000. Of 2,567 decisions, 562 were denials — 21.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| HUDSON VALLEY CREDIT UNION | 281 | 4.500% | $115,000 | 26.5% |
| Rocket Mortgage, LLC | 182 | 6.875% | $270,000 | 19.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 100 | 6.410% | $415,000 | 12.9% |
| JPMorgan Chase Bank, National Association | 90 | 6.490% | $410,000 | 13.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 88 | 6.750% | $395,000 | 6.4% |
| Manufacturers and Traders Trust Company | 61 | 5.990% | $205,000 | 28.0% |
| NEWREZ LLC | 60 | 6.813% | $365,000 | 31.0% |
| Citizens Bank, National Association | 52 | 8.075% | $205,000 | 27.4% |
| PENNYMAC LOAN SERVICES, LLC | 48 | 6.499% | $460,000 | 9.4% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 41 | 9.600% | $255,000 | 4.7% |
| Tompkins Community Bank | 40 | 3.250% | $215,000 | 33.3% |
| Loandepot.Com, LLC | 38 | 6.575% | $445,000 | 12.8% |
| TD Bank, National Association | 33 | 8.140% | $105,000 | 39.3% |
| Prosperity Home Mortgage, LLC | 30 | 6.875% | $485,000 | 6.3% |
| Bank of America, National Association | 29 | 6.240% | $155,000 | 44.4% |
| HOMESTEAD FUNDING CORP. | 28 | 6.490% | $435,000 | 3.5% |
| Navy Federal Credit Union | 26 | 7.420% | $255,000 | 12.9% |
| TrustCo Bank | 25 | 5.875% | $255,000 | 25.0% |
| PCSB Bank | 22 | 7.500% | $205,000 | 31.3% |
| KeyBank National Association | 21 | 6.625% | $285,000 | 16.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 20 | 6.557% | $475,000 | 0.0% |
| TOLL BROTHERS MORTGAGE COMPANY | 19 | 6.490% | $405,000 | 17.9% |
| Citibank, National Association | 18 | 6.563% | $240,000 | 28.0% |
| Wells Fargo Bank, National Association | 18 | 6.125% | $355,000 | 28.0% |
| TOTAL MORTGAGE SERVICES, LLC | 15 | 7.125% | $325,000 | 6.3% |
| CMG MORTGAGE, INC. | 14 | 6.625% | $420,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 14 | 6.490% | $295,000 | 6.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 13 | 6.875% | $485,000 | 6.3% |
| MOVEMENT MORTGAGE, LLC | 13 | 6.625% | $365,000 | 6.3% |
| WILLIAM RAVEIS MORTGAGE, LLC | 12 | 6.125% | $350,000 | 20.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 12 | 6.688% | $485,000 | 0.0% |
| Municipal Credit Union | 11 | 6.875% | $165,000 | 31.3% |
| MID-HUDSON VALLEY Federal Credit Union | 11 | 7.000% | $175,000 | 31.3% |
| Fairway Independent Mortgage Corporation | 11 | 6.750% | $355,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 10 | 7.120% | $420,000 | 33.3% |
| TEG Federal Credit Union | 10 | 7.000% | $525,000 | 35.3% |
| GUARANTEED RATE, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| U.S. Bank National Association | 9 | Under 10 loans | Under 10 loans | 18.2% |
| The Dart Bank | 9 | Under 10 loans | Under 10 loans | 23.1% |
| Webster Bank, National Association | 9 | Under 10 loans | Under 10 loans | 18.2% |
| CONTOUR MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| CHAMPIONS FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Third Federal Savings and Loan Association of Cleveland | 7 | Under 10 loans | Under 10 loans | 41.7% |
| Brookline Bank | 7 | Under 10 loans | Under 10 loans | 30.0% |
| ARC HOME LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST PRIORITY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 62.5% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SUNMARK CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Valley National Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| FM Home Loans, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| EAST COAST CAPITAL CORP. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| QUORUM FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Morgan Stanley Private Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Dime Community Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 83.3% |
| FREEDOM MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 55.6% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Broker Solutions, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Broadview Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Quontic Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NQM FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIGURE LENDING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| TRIAD FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 22.2% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 28.6% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| FINANCE OF AMERICA REVERSE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HARTFORD FUNDING, LTD. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HERITAGE FINANCIAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUMA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ridgewood Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| RELIANT HOME FUNDING, INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Emporium TPO LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| American Airlines Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NBT Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Walden Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWAY MORTGAGE FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ulster Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PATRIOT ONE MORTGAGE BANKERS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 1 | Under 10 loans | Under 10 loans | 81.8% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 25.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CLIFFCO, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MID-ISLAND MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AFFINITY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JET DIRECT FUNDING CORP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900IRE136HFEI2562 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| M&T REALTY CAPITAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Interaudi Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONAL COOPERATIVE BANK, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Orange Bank &Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Hope | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENERAL ELECTRIC EMPLOYEES FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BayCoast Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ballston Spa National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PEOPLE'S ALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SELF RELIANCE NY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SEFCU SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit East, ACA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nassau Educators Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LYONS MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wayne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empower Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Colorado Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairfield County Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| EVERETT FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| Connexus Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Island Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900CTT87ZKAUTIJ37 | 0 | Under 10 loans | Under 10 loans | Not published |
| Citadel Servicing Corporation | 0 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIUM MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Evergreen Bank Group | 0 | Under 10 loans | Under 10 loans | 100.0% |
| STANFORD Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Popular Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BOND STREET MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| NETWORK CAPITAL FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| KINECTA | 0 | Under 10 loans | Under 10 loans | Not published |
| SUFFOLK | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Rondout Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TOGETHER CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of Omaha | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First Federal Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Churchill Funding I LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Sierra Pacific Mortgage Company, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| STAR USA 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. Another 5 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Putnam County
23 FDIC-insured branches from 9 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| The Putnam County National Bank of Carmel | 5 | $132.0 million |
| Tompkins Community Bank | 4 | $639.3 million |
| Beacon Bank and Trust | 3 | $566.8 million |
| KeyBank National Association | 3 | $301.3 million |
| JPMorgan Chase Bank, National Association | 2 | $401.7 million |
| Wells Fargo Bank, National Association | 2 | $287.4 million |
| Manufacturers and Traders Trust Company | 2 | $226.6 million |
| TD Bank, National Association | 1 | $170.7 million |
| TrustCo Bank | 1 | $3.9 million |
Closed since the 2025 survey
3 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- PCSB Bank, 150 Route 6, Mahopac
- PCSB Bank, 2477 Route 6, Brewster
- PCSB Bank, 256 Route 52, Carmel
Get told when this changes
When the next year’s lending figures are out for Putnam 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.