Mortgage lending in Ulster County, New York
Lenders in Ulster County, New York reported 5,171 mortgage applications for 2025, according to the CFPB.
5,171 mortgage applications and 3,041 loans originated in 2025; the denial rate was 25.4% of 4,376 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: Kingston, NY MSA.
- 5,171
- Applications
- 3,041
- Loans originated
- 25.4%
- Denial rate
- 1,113 denied of 4,376 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 5,171 | 3,041 |
| 2024 | 4,594 | 2,701 |
| 2023 | 4,689 | 2,677 |
| 2022 | 6,718 | 4,215 |
| 2021 | 9,012 | 5,847 |
| 2020 | 7,782 | 4,827 |
| 2019 | 5,976 | 3,486 |
| 2018 | 5,550 | 3,231 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Hudson Valley Credit Union | 416 | 767 |
| Ulster Savings Bank | 302 | 364 |
| Mid-Hudson Valley Federal C.u. | 258 | 442 |
| Rocket Mortgage | 223 | 335 |
| Homestead Funding Corp. | 154 | 189 |
| M&T Bank | 122 | 196 |
| Citizens Bank, NA | 97 | 196 |
| Crosscountry Mortgage, LLC | 83 | 122 |
| United Wholesale Mortgage | 66 | 100 |
| Newrez LLC | 60 | 134 |
| JPMorgan Chase Bank, NA | 57 | 99 |
| Wallkill Valley Federal Savings & Loan Association | 56 | 75 |
| Primelending | 51 | 73 |
| Bank of America NA | 51 | 141 |
| Heritage Financial Credit Union | 45 | 50 |
| Sawyer Savings Bank | 38 | 56 |
| Rondout Savings Bank | 37 | 63 |
| Walden Savings Bank | 32 | 43 |
| loanDepot.com LLC | 31 | 49 |
| TD Bank | 28 | 53 |
| The Bank of Greene County | 27 | 48 |
| Keybank National Association | 26 | 46 |
| Pennymac Loan Services LLC | 26 | 36 |
| Wells Fargo Bank NA | 24 | 37 |
| Loan Funder LLC | 23 | 46 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 19 | no rate: base under 50 |
| Asian | 127 | 24.5% of 102 decided |
| Black or African American | 201 | 34.5% of 165 decided |
| Native Hawaiian or Other Pacific Islander | 12 | no rate: base under 50 |
| White | 3,732 | 25.1% of 3,212 decided |
| 2 or more minority races | withheld | |
| Joint | 111 | 14.1% of 92 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 956 | 25.2% of 771 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 376 | 34.2% of 325 decided |
| Not Hispanic or Latino | 3,738 | 24.4% of 3,199 decided |
| Joint | withheld | |
| Ethnicity Not Available | 930 | 25.9% of 744 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,785 | 29.3% of 1,498 decided |
| Female | 1,218 | 29.7% of 1,039 decided |
| Joint | 1,560 | 17.7% of 1,348 decided |
| Sex Not Available | 608 | 25.7% of 491 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. 558 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