Home purchase lenders in Washington County
550 home purchase mortgages were made in Washington County, New York, in 2025, by 94 lenders. The median rate their borrowers got was 6.500% on a median loan of $225,000. Of 677 decisions, 105 were denials — 15.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| HOMESTEAD FUNDING CORP. | 104 | 6.375% | $225,000 | 2.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 60 | 6.571% | $235,000 | 3.1% |
| Glens Falls National Bank and Trust Company | 55 | 6.625% | $225,000 | 16.7% |
| Rocket Mortgage, LLC | 25 | 6.990% | $155,000 | 19.4% |
| NEWREZ LLC | 23 | 6.625% | $215,000 | 7.7% |
| SEFCU SERVICES, LLC | 21 | 6.125% | $275,000 | 4.4% |
| GUARANTEED RATE, INC. | 17 | 6.750% | $225,000 | 10.5% |
| Community Bank, National Association | 15 | 7.625% | $175,000 | 16.7% |
| Sidney Federal Credit Union | 15 | 6.250% | $225,000 | 11.1% |
| HUDSON RIVER COMMUNITY | 14 | 6.400% | $170,000 | 48.2% |
| HUNT MORTGAGE CORPORATION | 14 | 6.563% | $235,000 | 16.7% |
| Mortgage Research Center, LLC | 13 | 6.625% | $225,000 | 13.3% |
| Manufacturers and Traders Trust Company | 11 | 6.000% | $195,000 | 15.4% |
| TrustCo Bank | 10 | 6.313% | $240,000 | 14.3% |
| PENNYMAC LOAN SERVICES, LLC | 10 | 6.500% | $280,000 | 16.7% |
| SUNMARK CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIUM MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 7 | Under 10 loans | Under 10 loans | 30.0% |
| NBT Bank, National Association | 7 | Under 10 loans | Under 10 loans | 27.3% |
| Navy Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit East, ACA | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 73.7% |
| MOVEMENT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 11.1% |
| Citizens Bank, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Broker Solutions, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICU Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Ballston Spa National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| The Adirondack Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First National Bank of Scotia | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Wells Fargo Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HUDSON VALLEY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 1ST PRIORITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Broadview Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Berkshire Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Chemung Canal Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWOOD CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The National Bank of Coxsackie | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MID-ISLAND MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OWNERSCHOICE FUNDING, INCORPORATED | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREYLOCK FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 57.1% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 80.0% |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MLB RESIDENTIAL LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Leader Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| United Nations Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| NATIONSTAR MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Hometown Equity Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Luminate Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| SUN WEST MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ROYAL UNITED MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| BETTER MORTGAGE CORPORATION | 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 |
| Pioneer Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| CMG MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Stride Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Empower Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 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.