Home purchase lenders in Westchester County
6,849 home purchase mortgages were made in Westchester County, New York, in 2025, by 281 lenders. The median rate their borrowers got was 6.490% on a median loan of $595,000. Of 7,862 decisions, 823 were denials — 10.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| JPMorgan Chase Bank, National Association | 809 | 6.375% | $545,000 | 9.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 518 | 6.500% | $545,000 | 8.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 494 | 6.625% | $540,000 | 3.5% |
| Rocket Mortgage, LLC | 321 | 6.625% | $395,000 | 17.1% |
| Loandepot.Com, LLC | 316 | 6.575% | $480,000 | 5.6% |
| Citibank, National Association | 314 | 5.875% | $975,000 | 7.6% |
| Wells Fargo Bank, National Association | 302 | 6.000% | $855,000 | 11.2% |
| Bank of America, National Association | 243 | 5.875% | $895,000 | 13.7% |
| Citizens Bank, National Association | 240 | 6.125% | $845,000 | 16.9% |
| NEWREZ LLC | 179 | 6.625% | $495,000 | 11.4% |
| U.S. Bank National Association | 160 | 6.250% | $805,000 | 6.9% |
| PENNYMAC LOAN SERVICES, LLC | 135 | 6.499% | $605,000 | 7.5% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 131 | 6.625% | $485,000 | 7.5% |
| Morgan Stanley Private Bank, National Association | 128 | 5.700% | $1,065,000 | 2.2% |
| TD Bank, National Association | 123 | 6.375% | $775,000 | 17.5% |
| Prosperity Home Mortgage, LLC | 116 | 6.750% | $515,000 | 4.1% |
| Manufacturers and Traders Trust Company | 77 | 6.125% | $605,000 | 18.2% |
| GUARANTEED RATE, INC. | 72 | 6.475% | $610,000 | 4.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 69 | 6.750% | $565,000 | 4.8% |
| Loan Funder LLC | 63 | 10.250% | $545,000 | 14.9% |
| PLAZA HOME MORTGAGE, INC. | 63 | 6.625% | $425,000 | 25.8% |
| Webster Bank, National Association | 57 | 6.250% | $970,000 | 3.4% |
| 1ST PRIORITY MORTGAGE, INC. | 50 | 6.563% | $440,000 | 1.9% |
| CONTOUR MORTGAGE CORPORATION | 49 | 6.625% | $575,000 | 11.9% |
| CMG MORTGAGE, INC. | 49 | 6.313% | $625,000 | 7.0% |
| MOVEMENT MORTGAGE, LLC | 42 | 6.625% | $505,000 | 2.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 40 | 6.044% | $930,000 | 2.4% |
| TrustCo Bank | 38 | 6.250% | $680,000 | 12.5% |
| Municipal Credit Union | 38 | 6.063% | $420,000 | 5.0% |
| EAST COAST CAPITAL CORP. | 37 | 6.875% | $615,000 | 5.1% |
| UBS Bank USA | 37 | 5.750% | $1,055,000 | 5.1% |
| The Dart Bank | 36 | 6.375% | $600,000 | 16.3% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 33 | 7.000% | $605,000 | 8.3% |
| CHAMPIONS FUNDING, LLC | 33 | 7.125% | $565,000 | 13.2% |
| WILLIAM RAVEIS MORTGAGE, LLC | 32 | 6.500% | $530,000 | 13.5% |
| Tompkins Community Bank | 32 | 6.500% | $575,000 | 5.6% |
| United Nations Federal Credit Union | 32 | 5.750% | $690,000 | 8.6% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 31 | 6.875% | $545,000 | 34.6% |
| GREENWAY MORTGAGE FUNDING CORP. | 31 | 6.500% | $705,000 | 5.6% |
| Dime Community Bank | 30 | Not published | $705,000 | 6.3% |
| The Federal Savings Bank | 29 | 6.500% | $555,000 | 5.9% |
| HOMESTEAD FUNDING CORP. | 29 | 6.125% | $565,000 | 6.5% |
| Fairway Independent Mortgage Corporation | 29 | 6.625% | $335,000 | 3.3% |
| A&D Mortgage LLC | 28 | 6.813% | $600,000 | 6.7% |
| Ridgewood Savings Bank | 27 | 6.250% | $585,000 | 15.4% |
| TOTAL MORTGAGE SERVICES, LLC | 27 | 6.875% | $525,000 | 0.0% |
| Navy Federal Credit Union | 26 | 6.000% | $500,000 | 25.7% |
| GUARANTEED RATE AFFINITY, LLC | 25 | 6.500% | $575,000 | 3.9% |
| Charles Schwab Bank, SSB | 25 | 5.375% | $1,205,000 | 3.7% |
| ARC HOME LLC | 24 | 7.125% | $500,000 | 7.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 23 | 6.625% | $625,000 | 11.1% |
| HUDSON VALLEY CREDIT UNION | 22 | 5.938% | $615,000 | 20.0% |
| Mortgage Research Center, LLC | 22 | 6.250% | $640,000 | 18.5% |
| NQM FUNDING, LLC | 20 | 7.500% | $895,000 | 14.3% |
| UNITED MORTGAGE CORP. | 20 | 6.938% | $705,000 | 10.3% |
| PCSB Bank | 19 | 6.625% | $475,000 | 0.0% |
| Flagstar Bank, N.A. | 17 | 6.125% | $305,000 | 46.9% |
| Kiavi Funding, Inc. | 17 | 10.250% | $495,000 | 10.5% |
| FM Home Loans, LLC | 17 | 6.875% | $665,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 16 | 6.375% | $605,000 | 15.8% |
| Bethpage Federal Credit Union | 16 | 6.375% | $345,000 | 11.1% |
| EMBRACE HOME LOANS, INC. | 16 | 6.688% | $545,000 | 5.0% |
| 254900IRE136HFEI2562 | 16 | 6.750% | $570,000 | 0.0% |
| US MORTGAGE CORPORATION | 16 | 6.625% | $400,000 | 15.8% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 16 | 6.750% | $455,000 | 0.0% |
| Hometown Equity Mortgage, LLC | 15 | 7.375% | $585,000 | 37.5% |
| Logan Finance Corporation | 15 | 6.874% | $505,000 | 11.8% |
| City National Bank | 15 | 5.460% | $795,000 | 11.8% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 14 | 6.500% | $625,000 | 6.7% |
| MID-ISLAND MORTGAGE CORP. | 14 | 6.750% | $200,000 | 22.2% |
| KeyBank National Association | 14 | 6.500% | $460,000 | 33.3% |
| CLIFFCO, INC. | 14 | 6.688% | $540,000 | 6.7% |
| Luminate Bank | 14 | 6.063% | $735,000 | 6.7% |
| JET DIRECT FUNDING CORP | 13 | 6.625% | $545,000 | 13.3% |
| SUMA | 13 | Not published | $315,000 | 0.0% |
| RELIANT HOME FUNDING, INC | 12 | 6.375% | $560,000 | 0.0% |
| Quontic Bank | 12 | 8.000% | $480,000 | 25.0% |
| Equity Prime Mortgage LLC | 12 | 6.625% | $800,000 | 14.3% |
| HARTFORD FUNDING, LTD. | 12 | 6.563% | $580,000 | 12.5% |
| MID-HUDSON VALLEY Federal Credit Union | 11 | 6.000% | $685,000 | 17.7% |
| LUXURY MORTGAGE CORP. | 11 | 7.375% | $765,000 | 8.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 11 | 7.000% | $745,000 | 15.4% |
| Broker Solutions, Inc. | 10 | 7.058% | $550,000 | 9.1% |
| BNY Mellon, National Association | 10 | 5.750% | $1,215,000 | 0.0% |
| PNC Bank, National Association | 9 | Under 10 loans | Under 10 loans | 30.8% |
| NORWICH COMMERCIAL GROUP, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| NJ LENDERS CORP. | 9 | Under 10 loans | Under 10 loans | 9.1% |
| Citadel Servicing Corporation | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Valley National Bank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| NATIONAL COOPERATIVE BANK, N.A. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| NBKC BANK | 8 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 8 | Under 10 loans | Under 10 loans | 0.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Brookline Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 8 | Under 10 loans | Under 10 loans | 9.1% |
| Emporium TPO LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Skyrock Mortgage Corp | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TEG Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT MORTGAGE BANKERS INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| USALLIANCE FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PATRIOT ONE MORTGAGE BANKERS, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Raymond James Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Truist Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Leader Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Unity Bank | 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% |
| ALLIANT CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 25.0% |
| SELF RELIANCE NY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 549300GNMONGVTFMXS97 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 16.7% |
| ARK MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Ulster Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Hope | 4 | Under 10 loans | Under 10 loans | 14.3% |
| Emigrant Bank | 4 | Under 10 loans | Under 10 loans | 28.6% |
| Walden Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Sidney Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Popular Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ponce Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TOLL BROTHERS MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 31.3% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 75.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 57.1% |
| The First Bank of Greenwich | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUNMARK CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AFFINITY | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| POLISH & SLAVIC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Advisors Mortgage Group, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONTINENTAL MORTGAGE BANKERS, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Flushing Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Amalgamated Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL HOME MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Shinhan Bank America | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 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% |
| ICE LENDER HOLDINGS LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Orange Bank &Trust Company | 2 | Under 10 loans | Under 10 loans | 25.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| New York University Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAYPORT FUNDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ives Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Provident Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| WALL STREET MORTGAGE BANKERS, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank-Fund Staff Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Business Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SEFCU SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fairfield County Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BOND STREET MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Brighton Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Ally Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Central Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Maspeth Federal Savings and Loan Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cross County Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 1 | Under 10 loans | Under 10 loans | 0.0% |
| National Police Federal Credit Union effective | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIUM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 1 | 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 81 lenders each made 1 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.