Mortgage lenders in Westchester County
12,210 mortgages were made in Westchester County, New York, in 2025, by 345 lenders. The median rate their borrowers got was 6.624% on a median loan of $455,000. Of 16,406 decisions, 3,648 were denials — 22.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| JPMorgan Chase Bank, National Association | 1,093 | 6.375% | $505,000 | 12.1% |
| Citizens Bank, National Association | 898 | 7.900% | $275,000 | 31.1% |
| Rocket Mortgage, LLC | 815 | 6.875% | $255,000 | 21.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 645 | 6.500% | $545,000 | 11.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 577 | 6.740% | $505,000 | 5.8% |
| Bank of America, National Association | 521 | 5.990% | $455,000 | 31.2% |
| Citibank, National Association | 507 | 6.125% | $585,000 | 24.1% |
| Loandepot.Com, LLC | 459 | 6.625% | $395,000 | 10.9% |
| TD Bank, National Association | 438 | 7.690% | $305,000 | 32.3% |
| HUDSON VALLEY CREDIT UNION | 366 | 4.500% | $175,000 | 26.9% |
| Wells Fargo Bank, National Association | 362 | 6.000% | $810,000 | 17.5% |
| Manufacturers and Traders Trust Company | 270 | 5.990% | $255,000 | 37.3% |
| NEWREZ LLC | 249 | 6.625% | $435,000 | 34.8% |
| U.S. Bank National Association | 230 | 6.250% | $795,000 | 17.5% |
| Webster Bank, National Association | 171 | 6.740% | $335,000 | 26.8% |
| PENNYMAC LOAN SERVICES, LLC | 166 | 6.499% | $595,000 | 11.6% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 160 | 9.693% | $255,000 | 16.5% |
| Morgan Stanley Private Bank, National Association | 155 | 5.800% | $1,005,000 | 4.7% |
| TrustCo Bank | 142 | 5.875% | $255,000 | 32.5% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 137 | 6.625% | $485,000 | 9.0% |
| Bethpage Federal Credit Union | 130 | 6.490% | $240,000 | 46.5% |
| Prosperity Home Mortgage, LLC | 122 | 6.750% | $515,000 | 6.2% |
| Loan Funder LLC | 92 | 9.750% | $570,000 | 10.7% |
| GUARANTEED RATE, INC. | 87 | 6.475% | $605,000 | 4.4% |
| Tompkins Community Bank | 86 | 3.250% | $305,000 | 21.2% |
| PLAZA HOME MORTGAGE, INC. | 84 | 6.750% | $425,000 | 30.4% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 81 | 6.750% | $565,000 | 3.9% |
| Municipal Credit Union | 77 | 6.375% | $205,000 | 44.7% |
| Navy Federal Credit Union | 71 | 7.750% | $265,000 | 39.2% |
| CHAMPIONS FUNDING, LLC | 64 | 7.438% | $565,000 | 18.0% |
| CMG MORTGAGE, INC. | 63 | 6.500% | $625,000 | 12.7% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 62 | 5.990% | $670,000 | 15.8% |
| PCSB Bank | 60 | 7.500% | $255,000 | 21.8% |
| MID-HUDSON VALLEY Federal Credit Union | 54 | 7.250% | $145,000 | 28.6% |
| CONTOUR MORTGAGE CORPORATION | 53 | 6.625% | $565,000 | 10.9% |
| BETTER MORTGAGE CORPORATION | 51 | 8.500% | $245,000 | 43.9% |
| UBS Bank USA | 51 | 5.750% | $1,005,000 | 8.9% |
| 1ST PRIORITY MORTGAGE, INC. | 51 | 6.625% | $445,000 | 1.9% |
| Third Federal Savings and Loan Association of Cleveland | 46 | 6.990% | $235,000 | 39.7% |
| QUORUM FEDERAL CREDIT UNION | 46 | 8.875% | $210,000 | 32.2% |
| EAST COAST CAPITAL CORP. | 46 | 6.875% | $555,000 | 4.2% |
| MOVEMENT MORTGAGE, LLC | 46 | 6.625% | $505,000 | 3.6% |
| A&D Mortgage LLC | 45 | 6.990% | $515,000 | 11.8% |
| Hometown Equity Mortgage, LLC | 42 | 7.125% | $595,000 | 32.3% |
| PNC Bank, National Association | 41 | 8.750% | $250,000 | 49.4% |
| KeyBank National Association | 41 | 6.875% | $225,000 | 37.7% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 40 | 7.000% | $600,000 | 7.0% |
| The Dart Bank | 39 | 6.375% | $595,000 | 17.0% |
| TOTAL MORTGAGE SERVICES, LLC | 39 | 7.000% | $405,000 | 0.0% |
| ARC HOME LLC | 37 | 7.250% | $565,000 | 9.8% |
| NATIONSTAR MORTGAGE LLC | 37 | 6.250% | $505,000 | 18.8% |
| AMERICAN FINANCIAL NETWORK, INC. | 37 | 6.875% | $605,000 | 11.4% |
| United Nations Federal Credit Union | 37 | 5.750% | $615,000 | 7.5% |
| FIGURE LENDING LLC | 35 | 8.750% | $125,000 | 32.0% |
| Ridgewood Savings Bank | 35 | 6.250% | $845,000 | 14.3% |
| Valley National Bank | 35 | 6.490% | $215,000 | 18.9% |
| GREENWAY MORTGAGE FUNDING CORP. | 34 | 6.500% | $725,000 | 5.0% |
| HOMESTEAD FUNDING CORP. | 34 | 6.188% | $535,000 | 8.1% |
| The Federal Savings Bank | 33 | 6.625% | $555,000 | 14.3% |
| Dime Community Bank | 33 | Not published | $715,000 | 5.7% |
| WILLIAM RAVEIS MORTGAGE, LLC | 33 | 6.500% | $535,000 | 12.8% |
| NATIONAL COOPERATIVE BANK, N.A. | 32 | 6.360% | $1,930,000 | 18.0% |
| USALLIANCE FEDERAL CREDIT UNION | 31 | 7.625% | $105,000 | 8.8% |
| Fairway Independent Mortgage Corporation | 31 | 6.688% | $335,000 | 3.1% |
| Flagstar Bank, N.A. | 28 | 6.563% | $300,000 | 46.6% |
| AFFINITY | 28 | 4.900% | $150,000 | 35.6% |
| NQM FUNDING, LLC | 28 | 7.500% | $895,000 | 17.5% |
| PENTAGON FEDERAL CREDIT UNION | 27 | 7.750% | $175,000 | 52.5% |
| GUARANTEED RATE AFFINITY, LLC | 27 | 6.500% | $575,000 | 10.0% |
| Charles Schwab Bank, SSB | 27 | 5.375% | $1,205,000 | 3.5% |
| UNITED MORTGAGE CORP. | 26 | 6.938% | $690,000 | 8.3% |
| Quontic Bank | 26 | 8.500% | $395,000 | 18.8% |
| FM Home Loans, LLC | 26 | 6.875% | $655,000 | 0.0% |
| SUNMARK CREDIT UNION | 25 | 6.000% | $135,000 | 10.7% |
| Discover Bank | 24 | 8.620% | $115,000 | 82.4% |
| Brookline Bank | 23 | 6.500% | $305,000 | 42.5% |
| Mortgage Research Center, LLC | 22 | 6.250% | $640,000 | 26.7% |
| RELIANCE FIRST CAPITAL, LLC | 22 | 6.563% | $290,000 | 0.0% |
| Logan Finance Corporation | 21 | 6.999% | $505,000 | 22.2% |
| CLIFFCO, INC. | 21 | 6.875% | $575,000 | 8.7% |
| Emporium TPO LLC | 21 | 6.875% | $455,000 | 10.3% |
| City National Bank | 21 | 5.460% | $795,000 | 12.5% |
| FINANCE OF AMERICA REVERSE LLC | 20 | 6.688% | $450,000 | 16.0% |
| Kiavi Funding, Inc. | 20 | 10.600% | $495,000 | 13.0% |
| SUMA | 20 | Not published | $455,000 | 0.0% |
| LUXURY MORTGAGE CORP. | 18 | 7.500% | $805,000 | 10.0% |
| MID-ISLAND MORTGAGE CORP. | 18 | 6.688% | $300,000 | 18.2% |
| EMBRACE HOME LOANS, INC. | 18 | 6.625% | $545,000 | 4.4% |
| HARTFORD FUNDING, LTD. | 18 | 6.687% | $580,000 | 8.3% |
| LONGBRIDGE FINANCIAL, LLC | 17 | 6.375% | $295,000 | 16.7% |
| 254900IRE136HFEI2562 | 17 | 6.750% | $565,000 | 5.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 17 | 6.750% | $445,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 16 | 6.625% | $660,000 | 55.1% |
| Broker Solutions, Inc. | 16 | 6.875% | $595,000 | 15.8% |
| TEACHERS FEDERAL CREDIT UNION | 16 | 6.620% | $170,000 | 10.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 16 | 6.500% | $600,000 | 5.9% |
| US MORTGAGE CORPORATION | 16 | 6.625% | $400,000 | 15.8% |
| FREEDOM MORTGAGE CORPORATION | 15 | 6.750% | $475,000 | 30.4% |
| Luminate Bank | 15 | 6.125% | $705,000 | 6.3% |
| Citadel Servicing Corporation | 15 | 6.999% | $525,000 | 0.0% |
| RELIANT HOME FUNDING, INC | 14 | 6.313% | $560,000 | 0.0% |
| Equity Prime Mortgage LLC | 14 | 6.625% | $755,000 | 12.5% |
| JET DIRECT FUNDING CORP | 13 | 6.625% | $545,000 | 18.8% |
| NJ LENDERS CORP. | 13 | 6.375% | $555,000 | 5.9% |
| NORWICH COMMERCIAL GROUP, INC. | 13 | 6.625% | $575,000 | 13.3% |
| Goldman Sachs Bank USA | 13 | 5.600% | $1,780,000 | 23.5% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 12 | 9.928% | $450,000 | 0.0% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 12 | 7.125% | $695,000 | 0.0% |
| NBKC BANK | 11 | 6.250% | $465,000 | 8.3% |
| INTERSTATE HOME LOAN CENTER, INC. | 11 | 7.249% | $505,000 | 15.4% |
| BNY Mellon, National Association | 11 | 5.750% | $1,105,000 | 8.3% |
| Orange Bank &Trust Company | 11 | Not published | $1,805,000 | 7.1% |
| LAFAYETTE FEDERAL CREDIT UNION | 11 | 8.000% | $245,000 | 8.3% |
| Broadview Federal Credit Union | 10 | 5.750% | $100,000 | 60.0% |
| Presidential Bank, FSB | 10 | 6.875% | $545,000 | 0.0% |
| Raymond James Bank | 10 | 5.500% | $770,000 | 9.1% |
| ALLIANT CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 47.4% |
| Nassau Educators Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 38.9% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 9 | Under 10 loans | Under 10 loans | 18.8% |
| TEG Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Ulster Savings Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| ARK MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| THE LOAN STORE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SELF RELIANCE NY | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Stifel Bank and Trust | 9 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| First National Bank of America | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT MORTGAGE BANKERS INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Axos Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| SUN WEST MORTGAGE COMPANY, INC. | 7 | Under 10 loans | Under 10 loans | 20.0% |
| The First Bank of Greenwich | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PATRIOT ONE MORTGAGE BANKERS, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Skyrock Mortgage Corp | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Sidney Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Popular Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 6 | Under 10 loans | Under 10 loans | 36.4% |
| Truist Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Metro City Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Unity Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 549300GNMONGVTFMXS97 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 5 | Under 10 loans | Under 10 loans | 66.7% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 28.6% |
| SUFFOLK | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Magnolia Bank, Incorporated | 5 | Under 10 loans | Under 10 loans | 28.6% |
| DIGITAL | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Provident Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Flushing Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Visions Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 75.0% |
| TOWER Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Bank of Hope | 4 | Under 10 loans | Under 10 loans | 12.5% |
| Emigrant Bank | 4 | Under 10 loans | Under 10 loans | 37.5% |
| ROYAL UNITED MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| CONTINENTAL MORTGAGE BANKERS, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Royal Business Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Northfield Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| BOND STREET MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Advisors Mortgage Group, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Ixonia Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Walden Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 4 | Under 10 loans | Under 10 loans | 16.7% |
| First Federal Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ponce Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ABL RPC Residential Credit Acquisition LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Amalgamated Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Shinhan Bank America | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 3 | Under 10 loans | Under 10 loans | 70.0% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 81.3% |
| TOLL BROTHERS MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 31.3% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Ives Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Union Savings Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| DOMINION FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Actors Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| POLISH & SLAVIC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| New York University Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BARINGS MULTIFAMILY CAPITAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 145 lenders each made 3 or fewer mortgages here, and are counted in the totals above.
Bank branches in Westchester County
244 FDIC-insured branches from 31 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
15 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Apple Bank, 33 Mamaroneck Ave, White Plains
- ConnectOne Bank, 155 White Plains Rd, Ste 200, Tarrytown
- Flagstar Bank, National Association, 1c Quaker Ridge Rd, New Rochelle
- KeyBank National Association, 56 Westchester Ave, Pound Ridge
- PCSB Bank, 119 Gramatan Avenue, Mount Vernon
- PCSB Bank, 12 S Bedford Rd, Mount Kisco
- PCSB Bank, 2002 Commerce St, Yorktown Heights
- PCSB Bank, 249 Route 202, Heritage Center, Somers
- PCSB Bank, 2651 Strang Blvd, Yorktown Heights
- PCSB Bank, 29 Taylor Sq, East White Plains
- PCSB Bank, 3649 Lee Rd, Jefferson Valley
- PCSB Bank, 441 Tarrytown Rd, White Plains
- PCSB Bank, 478 White Plains Rd, Eastchester
- TrustCo Bank, 222 E Main St, Mount Kisco
- Valley National Bank, 800 Westchester Ave Ste 400, Suite 400, Rye Brook
Get told when this changes
When the next year’s lending figures are out for Westchester 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.