Mortgage lending in Putnam County, New York
Lenders in Putnam County, New York reported 3,009 mortgage applications for 2025, according to the CFPB.
3,009 mortgage applications and 1,878 loans originated in 2025; the denial rate was 21.9% of 2,567 applications decided. The median loan was about $310,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: New York, NY HUD Metro FMR Area.
- 3,009
- Applications
- 1,878
- Loans originated
- 21.9%
- Denial rate
- 562 denied of 2,567 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,009 | 1,878 |
| 2024 | 2,727 | 1,582 |
| 2023 | 2,635 | 1,476 |
| 2022 | 3,760 | 2,267 |
| 2021 | 6,073 | 4,127 |
| 2020 | 5,540 | 3,450 |
| 2019 | 3,840 | 2,187 |
| 2018 | 3,657 | 2,055 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Hudson Valley Credit Union | 281 | 496 |
| Rocket Mortgage | 182 | 249 |
| United Wholesale Mortgage | 100 | 127 |
| JPMorgan Chase Bank, NA | 90 | 139 |
| Crosscountry Mortgage, LLC | 88 | 116 |
| M&T Bank | 61 | 100 |
| Newrez LLC | 60 | 124 |
| Citizens Bank, NA | 52 | 79 |
| Pennymac Loan Services LLC | 48 | 63 |
| HomeBridge Financial Services, Inc | 41 | 46 |
| Tompkins Community Bank | 40 | 66 |
| loanDepot.com LLC | 38 | 54 |
| TD Bank | 33 | 67 |
| Prosperity Home Mortgage, LLC | 30 | 35 |
| Bank of America NA | 29 | 64 |
| Homestead Funding Corp. | 28 | 30 |
| Navy Federal Credit Union | 26 | 47 |
| Trustco Bank | 25 | 42 |
| PCSB Bank | 22 | 39 |
| Keybank National Association | 21 | 29 |
| UNMB Home Loans Inc | 20 | 24 |
| Toll Brothers Mortgage Company | 19 | 29 |
| Citibank, NA | 18 | 42 |
| Wells Fargo Bank NA | 18 | 34 |
| Total Mortgage Services, LLC | 15 | 19 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 12 | no rate: base under 50 |
| Asian | 69 | 1.8% of 54 decided |
| Black or African American | 135 | 29.6% of 108 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,156 | 22.2% of 1,889 decided |
| 2 or more minority races | under 10 | |
| Joint | 83 | 20.3% of 69 decided |
| Race Not Available | 541 | 21.7% of 424 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 482 | 28.7% of 415 decided |
| Not Hispanic or Latino | 1,895 | 20.7% of 1,636 decided |
| Joint | 157 | 18.7% of 139 decided |
| Ethnicity Not Available | 475 | 20.7% of 377 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,007 | 24.2% of 851 decided |
| Female | 606 | 28.4% of 521 decided |
| Joint | 1,162 | 16.7% of 1,019 decided |
| Sex Not Available | 234 | 21.6% of 176 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. 248 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