Find a better mortgage lender

Orange County, New York · 2025

Mortgage lenders in Orange County, NY: denial rates and top lenders (2025)

284 lenders acted on 12,257 mortgage applications for properties in Orange County in 2025. 20.4% were denied (New York: 19.8%). Median rate on closed loans 6.88%; median loan $265,000; median property value $495,000.

12kApplications
20.4%Denial ratestate 19.8%
6.88%Median ratestate 6.63%
$265,000Median loan
$495,000Median property value

Largest lenders in Orange County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Hudson Valley Credit Union B 1,559889 25.3%5.63%
2 Rocket Mortgage C 801559 21.2%6.88%
3 United Shore Financial Services B 578452 11.8%6.63%
4 Citizens Bank C 515279 33.0%8.40%
5 Newrez D 469191 25.0%6.75%
6 Crosscountry Mortgage B 424308 3.8%6.74%
7 Norwich Commercial Group C 387330 5.2%7.00%
8 Manufacturers and Traders Trust C 313148 43.1%5.99%
9 JPMorgan Chase Bank B 275160 14.9%6.63%
10 Heritage Financial Credit Union C 264233 11.7%7.00%
11 Ark Mortgage B 262176 1.2%7.25%
12 TD Bank D 260120 31.2%7.89%
13 Bank of America F 25994 40.2%6.24%
14 Homestead Funding A 198162 1.0%6.50%
15 MID-HUDSON VALLEY Federal Credit Union D 195107 36.4%7.00%
16 Pennymac Loan Services C 194137 9.8%6.62%
17 Loandepot.Com D 190143 17.9%6.75%
18 Navy Federal Credit Union D 18572 34.6%7.65%
19 Loan Funder F 16782 14.4%9.25%
20 Homebridge Financial Services B 166122 16.3%10.32%
21 Discover Bank F 15122 51.0%8.41%
22 Logan Finance C 12879 9.4%7.00%
23 Champions Funding F 12381 11.4%7.63%
24 Plaza Home Mortgage C 11666 35.3%6.63%
25 Primelending, a Plainscapital A 11688 6.0%6.75%

Best approval odds in Orange County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Homestead Funding1641.2%
2Ark Mortgage1821.7%
3FM Home Loans863.5%
4Crosscountry Mortgage3304.9%
5Norwich Commercial Group3575.6%
6Walden Savings Bank956.3%
7Primelending, a Plainscapital1086.5%
81st Priority Mortgage896.7%
9The Loan Store1016.9%
10Guaranteed Rate726.9%

What Orange County borrowers applied for

By loan purpose

Home purchase 5,074 41% · 11.3% denied
Refinance 1,478 12% · 21.1% denied
Cash-out refinance 2,268 19% · 20.3% denied
Home improvement 2,017 16% · 32.5% denied
Other / HELOC 1,420 12% · 35.4% denied

By loan type

Conventional 10,950 89% · 20.6% denied
FHA 935 8% · 21.9% denied
VA 367 3% · 11.4% denied
USDA / RHS 5 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 936 38%
Credit history 577 23%
Collateral 401 16%
Other 251 10%
Incomplete application 178 7%
Unverifiable information 70 3%
Insufficient cash 53 2%
Employment history 22 1%
Mortgage insurance denied 1 0%

Orange County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202311,3276,25125.3%6.99%$225,000
202411,9026,87822.3%7.00%$245,000
202512,2577,18020.4%6.88%$265,000

Frequently asked questions

20.4% of applications in Orange County were denied in 2025, against 19.8% statewide in New York.

Hudson Valley Credit Union, with 1,559 applications in 2025 and a denial rate of 25.3%.

The median mortgage application in Orange County in 2025 was for $265,000; the median property value on originated loans was $495,000.