Home purchase lenders in Putnam County
929 home purchase mortgages were made in Putnam County, New York, in 2025, by 158 lenders. The median rate their borrowers got was 6.500% on a median loan of $445,000. Of 1,089 decisions, 124 were denials — 11.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 81 | 6.479% | $425,000 | 11.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 78 | 6.745% | $400,000 | 3.7% |
| Rocket Mortgage, LLC | 72 | 6.500% | $425,000 | 7.7% |
| JPMorgan Chase Bank, National Association | 63 | 6.375% | $455,000 | 9.9% |
| NEWREZ LLC | 37 | 6.750% | $425,000 | 11.9% |
| PENNYMAC LOAN SERVICES, LLC | 32 | 6.500% | $450,000 | 5.9% |
| Prosperity Home Mortgage, LLC | 30 | 6.875% | $485,000 | 3.2% |
| Loandepot.Com, LLC | 28 | 6.575% | $510,000 | 3.3% |
| HOMESTEAD FUNDING CORP. | 25 | 6.490% | $485,000 | 0.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 20 | 6.557% | $475,000 | 0.0% |
| TOLL BROTHERS MORTGAGE COMPANY | 19 | 6.490% | $405,000 | 17.9% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 16 | 6.563% | $360,000 | 11.1% |
| Wells Fargo Bank, National Association | 15 | 6.125% | $355,000 | 16.7% |
| Tompkins Community Bank | 14 | 6.563% | $410,000 | 6.7% |
| Navy Federal Credit Union | 13 | 6.250% | $445,000 | 7.1% |
| CMG MORTGAGE, INC. | 13 | 6.563% | $405,000 | 0.0% |
| HUDSON VALLEY CREDIT UNION | 12 | 6.625% | $370,000 | 33.3% |
| WILLIAM RAVEIS MORTGAGE, LLC | 12 | 6.125% | $350,000 | 20.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 12 | 6.875% | $505,000 | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 12 | 6.688% | $485,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 11 | 6.562% | $365,000 | 7.7% |
| TOTAL MORTGAGE SERVICES, LLC | 10 | 6.995% | $415,000 | 9.1% |
| Fairway Independent Mortgage Corporation | 10 | 6.750% | $385,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 26.7% |
| TrustCo Bank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| GUARANTEED RATE, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Citibank, National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 8 | Under 10 loans | Under 10 loans | 9.1% |
| The Dart Bank | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Bank of America, National Association | 8 | Under 10 loans | Under 10 loans | 10.0% |
| Citizens Bank, National Association | 8 | Under 10 loans | Under 10 loans | 11.1% |
| GUARANTEED RATE AFFINITY, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| TEG Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 27.3% |
| U.S. Bank National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST PRIORITY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PCSB Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| EAST COAST CAPITAL CORP. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Morgan Stanley Private Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| TD Bank, National Association | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Loan Funder LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Municipal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Valley National Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Quontic Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Brookline Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Dime Community Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 22.2% |
| MID-HUDSON VALLEY Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| NQM FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FM Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 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 | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HARTFORD FUNDING, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Walden Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUMA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWAY MORTGAGE FUNDING CORP. | 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% |
| RELIANT HOME FUNDING, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLIFFCO, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MID-ISLAND MORTGAGE 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% |
| Axos Bank | 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% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Interaudi Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Orange Bank &Trust Company | 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% |
| Ulster Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS 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% |
| 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% |
| United Nations Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM 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% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 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% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LYONS MORTGAGE SERVICES, INC. | 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% |
| City National Bank | 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% |
| Webster Bank, National Association | 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% |
| Logan Finance Corporation | 0 | Under 10 loans | Under 10 loans | 33.3% |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| Citadel Servicing Corporation | 0 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| ICE LENDER HOLDINGS LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PREMIUM MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Evergreen Bank Group | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AFFINITY | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 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 |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Rondout Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| QUORUM FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 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 |
| Preferred Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of Pennsylvania | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 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.
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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.