Mortgage lending in Montgomery County, New York
Lenders in Montgomery County, New York reported 1,415 mortgage applications for 2025, according to the CFPB.
1,415 mortgage applications and 832 loans originated in 2025; the denial rate was 27.5% of 1,198 applications decided. The median loan was about $155,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Montgomery County, NY.
- 1,415
- Applications
- 832
- Loans originated
- 27.5%
- Denial rate
- 329 denied of 1,198 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,415 | 832 |
| 2024 | 1,234 | 691 |
| 2023 | 1,172 | 688 |
| 2022 | 1,571 | 895 |
| 2021 | 1,820 | 1,132 |
| 2020 | 1,518 | 878 |
| 2019 | 1,309 | 736 |
| 2018 | 1,239 | 711 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Broadview Federal Credit Union | 109 | 176 |
| Homestead Funding Corp. | 91 | 107 |
| Rocket Mortgage | 50 | 89 |
| Community Bank, N.A. | 45 | 67 |
| NBT Bank NA | 42 | 90 |
| SEFCU Services, LLC | 35 | 50 |
| Newrez LLC | 32 | 53 |
| Keybank National Association | 28 | 40 |
| Sunmark Credit Union | 27 | 40 |
| United Wholesale Mortgage | 26 | 35 |
| Farm Credit East ACA | 23 | 24 |
| Empower Federal Credit Union | 23 | 41 |
| Premium Mortgage Corporation | 19 | 23 |
| First New York Federal Credit Union | 16 | 24 |
| Champions Funding, LLC | 16 | 20 |
| Citizens Bank, NA | 16 | 35 |
| Trustco Bank | 14 | 21 |
| Sidney Federal Credit Union | 13 | 19 |
| Loan Funder LLC | 12 | 19 |
| M&T Bank | 12 | 18 |
| Pennymac Loan Services LLC | 10 | 18 |
| Plaza Home Mortgage, Inc | 9 | 11 |
| Kiavi Funding, Inc. | 8 | 14 |
| Americu Credit Union | 7 | 15 |
| Bank of America NA | 7 | 11 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 32 | no rate: base under 50 |
| Black or African American | 56 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,062 | 27.1% of 916 decided |
| 2 or more minority races | under 10 | |
| Joint | 18 | no rate: base under 50 |
| Race Not Available | 227 | 26.5% of 181 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 107 | 22.4% of 85 decided |
| Not Hispanic or Latino | 1,072 | 28.2% of 925 decided |
| Joint | 21 | no rate: base under 50 |
| Ethnicity Not Available | 215 | 27.8% of 169 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 541 | 30.1% of 455 decided |
| Female | 338 | 31.6% of 285 decided |
| Joint | 390 | 22.1% of 349 decided |
| Sex Not Available | 146 | 22.9% of 109 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. 1811 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