Mortgage lending in Dutchess County, New York
Lenders in Dutchess County, New York reported 8,535 mortgage applications for 2025, according to the CFPB.
8,535 mortgage applications and 5,064 loans originated in 2025; the denial rate was 23.9% of 7,300 applications decided. The median loan was about $255,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Kiryas Joel-Poughkeepsie-Newburgh, NY MSA.
- 8,535
- Applications
- 5,064
- Loans originated
- 23.9%
- Denial rate
- 1,748 denied of 7,300 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 8,535 | 5,064 |
| 2024 | 7,731 | 4,571 |
| 2023 | 7,842 | 4,453 |
| 2022 | 10,915 | 6,603 |
| 2021 | 15,808 | 10,357 |
| 2020 | 14,292 | 8,801 |
| 2019 | 10,444 | 5,994 |
| 2018 | 9,655 | 5,465 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Hudson Valley Credit Union | 1,306 | 2,258 |
| Rocket Mortgage | 383 | 543 |
| Crosscountry Mortgage, LLC | 204 | 250 |
| United Wholesale Mortgage | 176 | 233 |
| Citizens Bank, NA | 167 | 302 |
| Mid-Hudson Valley Federal C.u. | 166 | 296 |
| JPMorgan Chase Bank, NA | 153 | 234 |
| M&T Bank | 149 | 263 |
| Homestead Funding Corp. | 142 | 172 |
| Newrez LLC | 109 | 256 |
| TEG Federal Credit Union | 104 | 156 |
| Primelending | 98 | 136 |
| loanDepot.com LLC | 89 | 123 |
| Pennymac Loan Services LLC | 88 | 121 |
| TD Bank | 62 | 114 |
| HomeBridge Financial Services, Inc | 55 | 75 |
| Bank of America NA | 54 | 137 |
| Prosperity Home Mortgage, LLC | 52 | 62 |
| Keybank National Association | 52 | 88 |
| Wells Fargo Bank NA | 50 | 79 |
| Ulster Savings Bank | 48 | 64 |
| Trustco Bank | 47 | 84 |
| Navy Federal Credit Union | 45 | 96 |
| Total Mortgage Services, LLC | 43 | 47 |
| Nationwide Mortgage Bankers, Inc. | 42 | 52 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 24 | no rate: base under 50 |
| Asian | 296 | 24.7% of 247 decided |
| Black or African American | 634 | 36.3% of 537 decided |
| Native Hawaiian or Other Pacific Islander | 22 | no rate: base under 50 |
| White | 5,615 | 22.2% of 4,876 decided |
| 2 or more minority races | withheld | |
| Joint | 193 | 15.1% of 166 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,735 | 25.5% of 1,426 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 929 | 29.4% of 785 decided |
| Not Hispanic or Latino | 5,784 | 23.5% of 5,009 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,565 | 24.0% of 1,284 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,982 | 27.8% of 2,526 decided |
| Female | 1,932 | 26.8% of 1,686 decided |
| Joint | 2,738 | 17.8% of 2,370 decided |
| Sex Not Available | 883 | 24.2% of 718 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 556 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved