Mortgage lending in Essex County, New York
Lenders in Essex County, New York reported 953 mortgage applications for 2025, according to the CFPB.
953 mortgage applications and 553 loans originated in 2025; the denial rate was 23.0% of 744 applications decided. The median loan was about $185,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Essex County, NY.
- 953
- Applications
- 553
- Loans originated
- 23.0%
- Denial rate
- 171 denied of 744 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 953 | 553 |
| 2024 | 918 | 572 |
| 2023 | 857 | 499 |
| 2022 | 1,151 | 704 |
| 2021 | 1,688 | 1,074 |
| 2020 | 1,546 | 1,028 |
| 2019 | 1,107 | 652 |
| 2018 | 1,099 | 694 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Community Bank, N.A. | 115 | 153 |
| Rocket Mortgage | 60 | 82 |
| Arrow Bank NA | 41 | 74 |
| NBT Bank NA | 39 | 51 |
| Guaranteed Rate, Inc. | 20 | 34 |
| Newrez LLC | 18 | 31 |
| Absolute Home Mortgage | 14 | 20 |
| United Wholesale Mortgage | 12 | 17 |
| Broadview Federal Credit Union | 11 | 19 |
| Homestead Funding Corp. | 11 | 16 |
| Citizens Bank, NA | 11 | 24 |
| SEFCU Services, LLC | 10 | 12 |
| US Bank, N.A. | 10 | 23 |
| Bank of America NA | 9 | 14 |
| TD Bank | 8 | 18 |
| Americu Credit Union | 8 | 15 |
| Sidney Federal Credit Union | 6 | 8 |
| loanDepot.com LLC | 6 | 10 |
| Adirondack Bank | 6 | 15 |
| Mortgage Research Center | 5 | 8 |
| HomeBridge Financial Services, Inc | 4 | 4 |
| Navy Federal Credit Union | 4 | 16 |
| Plaza Home Mortgage, Inc | 4 | 4 |
| Fairway Independent Mort Corp | 4 | 6 |
| Northpointe Bank | 4 | 5 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 18 | no rate: base under 50 |
| Black or African American | under 10 | |
| White | 800 | 22.6% of 624 decided |
| Joint | 17 | no rate: base under 50 |
| Race Not Available | 110 | 21.4% of 84 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 11 | no rate: base under 50 |
| Not Hispanic or Latino | 807 | 22.8% of 633 decided |
| Joint | withheld | |
| Ethnicity Not Available | 123 | 22.8% of 92 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 332 | 27.9% of 258 decided |
| Female | 179 | 26.2% of 141 decided |
| Joint | 385 | 17.6% of 306 decided |
| Sex Not Available | 57 | no rate: base under 50 |
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. 1286 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