Largest lenders in Rockland County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial Services | B | 513 | 364 | 15.6% | 6.87% |
| 2 | Citizens Bank | C | 493 | 281 | 34.7% | 8.15% |
| 3 | Crosscountry Mortgage | B | 385 | 303 | 4.7% | 6.88% |
| 4 | Rocket Mortgage | C | 349 | 259 | 15.8% | 7.13% |
| 5 | TD Bank | D | 339 | 175 | 27.4% | 7.69% |
| 6 | Newrez | D | 315 | 136 | 16.8% | 7.00% |
| 7 | Guaranteed Rate | B | 288 | 215 | 1.0% | 6.50% |
| 8 | Norwich Commercial Group | C | 286 | 237 | 6.6% | 6.88% |
| 9 | JPMorgan Chase Bank | B | 280 | 160 | 12.1% | 6.49% |
| 10 | FM Home Loans | B | 271 | 189 | 2.2% | 6.63% |
| 11 | Ark Mortgage | B | 226 | 147 | 1.8% | 7.50% |
| 12 | Manufacturers and Traders Trust | C | 223 | 84 | 55.2% | 5.99% |
| 13 | Bank of America | F | 215 | 95 | 32.1% | 5.99% |
| 14 | TrustCo Bank | B | 173 | 95 | 28.3% | 5.88% |
| 15 | Loandepot.Com | D | 131 | 95 | 15.3% | 6.75% |
| 16 | Homebridge Financial Services | B | 127 | 85 | 15.0% | 10.47% |
| 17 | Pennymac Loan Services | C | 119 | 70 | 12.6% | 6.63% |
| 18 | 1st Priority Mortgage | A | 113 | 90 | 4.4% | 6.50% |
| 19 | Champions Funding | F | 106 | 80 | 8.5% | 7.38% |
| 20 | Discover Bank | F | 104 | 16 | 53.9% | 8.56% |
| 21 | The Loan Store | B | 103 | 71 | 3.9% | 7.38% |
| 22 | Hudson Valley Credit Union | B | 100 | 48 | 29.0% | 4.50% |
| 23 | Affinity | C | 92 | 47 | 31.5% | 4.90% |
| 24 | KeyBank | C | 89 | 44 | 33.7% | 6.56% |
| 25 | American Financial Network | C | 89 | 48 | 10.1% | 7.19% |
Best approval odds in Rockland County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Guaranteed Rate | 218 | 1.4% |
| 2 | Ark Mortgage | 164 | 2.4% |
| 3 | FM Home Loans | 219 | 2.7% |
| 4 | The Loan Store | 88 | 4.6% |
| 5 | 1st Priority Mortgage | 95 | 5.3% |
| 6 | Crosscountry Mortgage | 323 | 5.6% |
| 7 | Norwich Commercial Group | 262 | 7.3% |
| 8 | Emporium TPO | 63 | 7.9% |
| 9 | Bpl Mortgage Trust | 50 | 8.0% |
| 10 | Champions Funding | 89 | 10.1% |
What Rockland County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Rockland County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 7,348 | 4,090 | 23.2% | 7.00% | $355,000 |
| 2024 | 7,692 | 4,313 | 22.5% | 7.13% | $385,000 |
| 2025 | 8,225 | 4,849 | 18.9% | 6.88% | $415,000 |
Frequently asked questions
18.9% of applications in Rockland County were denied in 2025, against 19.8% statewide in New York.
United Shore Financial Services, with 513 applications in 2025 and a denial rate of 15.6%.
The median mortgage application in Rockland County in 2025 was for $415,000; the median property value on originated loans was $775,000.