Mortgage lending in Orange County, New York
Lenders in Orange County, New York reported 12,257 mortgage applications for 2025, according to the CFPB.
12,257 mortgage applications and 7,180 loans originated in 2025; the denial rate was 24.5% of 10,205 applications decided. The median loan was about $295,000. 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.
- 12,257
- Applications
- 7,180
- Loans originated
- 24.5%
- Denial rate
- 2,505 denied of 10,205 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 12,257 | 7,180 |
| 2024 | 11,902 | 6,878 |
| 2023 | 11,327 | 6,251 |
| 2022 | 15,738 | 9,118 |
| 2021 | 21,894 | 13,981 |
| 2020 | 18,970 | 11,589 |
| 2019 | 14,118 | 8,037 |
| 2018 | 12,964 | 7,321 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Hudson Valley Credit Union | 889 | 1,559 |
| Rocket Mortgage | 559 | 801 |
| United Wholesale Mortgage | 452 | 578 |
| Norwich Commercial Group Inc | 330 | 387 |
| Crosscountry Mortgage, LLC | 308 | 424 |
| Citizens Bank, NA | 279 | 515 |
| Heritage Financial Credit Union | 233 | 264 |
| Newrez LLC | 191 | 469 |
| Ark Mortgage, Inc. | 176 | 262 |
| Homestead Funding Corp. | 162 | 198 |
| JPMorgan Chase Bank, NA | 160 | 275 |
| M&T Bank | 148 | 313 |
| loanDepot.com LLC | 143 | 190 |
| Pennymac Loan Services LLC | 137 | 194 |
| HomeBridge Financial Services, Inc | 122 | 166 |
| TD Bank | 120 | 260 |
| Mid-Hudson Valley Federal C.u. | 107 | 195 |
| Bank of America NA | 94 | 259 |
| Primelending | 88 | 116 |
| Walden Savings Bank | 88 | 113 |
| 1ST Priority Mortgage, Inc. | 83 | 100 |
| Loan Funder LLC | 82 | 167 |
| The Loan Store, Inc | 81 | 116 |
| Champions Funding, LLC | 81 | 123 |
| Logan Finance Corporation | 79 | 128 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 84 | 42.4% of 66 decided |
| Asian | 386 | 27.8% of 313 decided |
| Black or African American | 1,277 | 35.7% of 1,086 decided |
| Native Hawaiian or Other Pacific Islander | 40 | no rate: base under 50 |
| White | 7,356 | 20.8% of 6,245 decided |
| 2 or more minority races | withheld | |
| Joint | 229 | 14.7% of 184 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 2,848 | 28.8% of 2,246 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,976 | 31.4% of 1,631 decided |
| Not Hispanic or Latino | 7,503 | 22.3% of 6,359 decided |
| Joint | withheld | |
| Ethnicity Not Available | 2,419 | 27.1% of 1,896 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 4,999 | 26.2% of 4,160 decided |
| Female | 2,574 | 28.9% of 2,153 decided |
| Joint | 3,256 | 18.4% of 2,781 decided |
| Sex Not Available | 1,428 | 25.2% of 1,111 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. 316 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