Mortgage lending in Westchester County, New York
Lenders in Westchester County, New York reported 20,622 mortgage applications for 2025, according to the CFPB.
20,622 mortgage applications and 12,211 loans originated in 2025; the denial rate was 22.2% of 16,407 applications decided. The median loan was about $455,000. 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.
- 20,622
- Applications
- 12,211
- Loans originated
- 22.2%
- Denial rate
- 3,648 denied of 16,407 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 20,622 | 12,211 |
| 2024 | 17,941 | 10,396 |
| 2023 | 17,355 | 10,113 |
| 2022 | 26,927 | 16,760 |
| 2021 | 44,477 | 29,990 |
| 2020 | 41,692 | 25,433 |
| 2019 | 29,775 | 17,578 |
| 2018 | 27,708 | 16,171 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| JPMorgan Chase Bank, NA | 1,093 | 1,650 |
| Citizens Bank, NA | 898 | 1,489 |
| Rocket Mortgage | 815 | 1,159 |
| United Wholesale Mortgage | 645 | 851 |
| Crosscountry Mortgage, LLC | 577 | 786 |
| Bank of America NA | 521 | 1,017 |
| Citibank, NA | 507 | 1,016 |
| loanDepot.com LLC | 459 | 620 |
| TD Bank | 438 | 809 |
| Hudson Valley Credit Union | 366 | 686 |
| Wells Fargo Bank NA | 362 | 630 |
| M&T Bank | 270 | 500 |
| Newrez LLC | 249 | 639 |
| US Bank, N.A. | 230 | 342 |
| Webster Bank, N.A. | 171 | 300 |
| Pennymac Loan Services LLC | 166 | 255 |
| HomeBridge Financial Services, Inc | 160 | 231 |
| Morgan Stanley Private Bank NA | 155 | 194 |
| Trustco Bank | 142 | 260 |
| UNMB Home Loans Inc | 137 | 186 |
| Fourleaf Federal Credit Union | 130 | 289 |
| Prosperity Home Mortgage, LLC | 122 | 168 |
| Loan Funder LLC | 92 | 148 |
| Guaranteed Rate, Inc. | 87 | 176 |
| Tompkins Community Bank | 86 | 123 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 69 | 54.5% of 55 decided |
| Asian | 1,483 | 21.0% of 1,148 decided |
| Black or African American | 1,753 | 36.8% of 1,388 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 12,160 | 19.7% of 9,839 decided |
| 2 or more minority races | 46 | no rate: base under 50 |
| Joint | 572 | 13.4% of 470 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 4,489 | 24.3% of 3,426 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 2,987 | 29.2% of 2,348 decided |
| Not Hispanic or Latino | 13,288 | 20.8% of 10,665 decided |
| Joint | withheld | |
| Ethnicity Not Available | 3,716 | 22.8% of 2,870 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 6,706 | 27.6% of 5,261 decided |
| Female | 4,225 | 27.3% of 3,356 decided |
| Joint | 7,802 | 15.3% of 6,353 decided |
| Sex Not Available | 1,889 | 21.4% of 1,437 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. 52 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