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Warren County, New York · 2025

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

152 lenders acted on 2,068 mortgage applications for properties in Warren County in 2025. 19.2% were denied (New York: 19.8%). Median rate on closed loans 6.50%; median loan $195,000; median property value $355,000.

2.1kApplications
19.2%Denial ratestate 19.8%
6.50%Median ratestate 6.63%
$195,000Median loan
$355,000Median property value

Largest lenders in Warren County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Glens Falls National Bank and Trust C 343228 15.2%6.13%
2 Homestead Funding A 122101 1.6%6.38%
3 Rocket Mortgage C 11985 24.4%6.99%
4 Hudson River Community C 11849 34.8%6.25%
5 Broadview Federal Credit Union C 9356 29.0%6.25%
6 Citizens Bank C 9147 36.3%8.15%
7 TD Bank D 8443 26.2%7.89%
8 TrustCo Bank B 8260 13.4%5.88%
9 NBT Bank B 5540 20.0%5.74%
10 The Adirondack Trust D 5535 12.7%—
11 Newrez D 5317 24.5%6.50%
12 United Shore Financial Services B 5042 12.0%6.62%
13 Sefcu Services A 4036 2.5%6.13%
14 Bank of America F 3815 23.7%5.99%
15 Community Bank D 3121 16.1%7.00%
16 Navy Federal Credit Union D 2914 27.6%6.69%
17 Sidney Federal Credit Union B 2623 3.9%6.00%
18 Sunmark Credit Union C 2516 12.0%6.75%
19 JPMorgan Chase Bank B 236 17.4%6.50%
20 Guaranteed Rate B 2315 4.4%6.75%
21 Pennymac Loan Services C 2116 9.5%6.50%
22 Loandepot.Com D 2112 33.3%6.78%
23 KeyBank C 2012 25.0%6.50%
24 Triad Financial Services D 2011 40.0%8.00%
25 Manufacturers and Traders Trust C 1911 26.3%6.00%

Best approval odds in Warren County

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

#LenderDecidedDecision denial rate
1Homestead Funding1041.9%
2TrustCo Bank7315.1%
3Glens Falls National Bank and Trust28318.4%
4NBT Bank5320.8%
5Rocket Mortgage11625.0%
6Broadview Federal Credit Union8332.5%
7TD Bank6633.3%
8Citizens Bank8439.3%
9Hudson River Community9045.6%

What Warren County borrowers applied for

By loan purpose

Home purchase 972 47% · 10.4% denied
Refinance 213 10% · 22.1% denied
Cash-out refinance 276 13% · 21.0% denied
Home improvement 296 14% · 29.7% denied
Other / HELOC 311 15% · 32.8% denied

By loan type

Conventional 1,818 88% · 19.4% denied
FHA 175 8% · 17.1% denied
VA 74 4% · 18.9% denied
USDA / RHS 1 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 171 44%
Credit history 85 22%
Collateral 64 16%
Other 29 7%
Incomplete application 16 4%
Unverifiable information 15 4%
Insufficient cash 6 2%
Employment history 3 1%

Warren County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20231,8631,10419.1%6.50%$175,000
20241,8611,10619.8%6.63%$165,000
20252,0681,27019.2%6.50%$195,000

Frequently asked questions

19.2% of applications in Warren County were denied in 2025, against 19.8% statewide in New York.

Glens Falls National Bank and Trust, with 343 applications in 2025 and a denial rate of 15.2%.

The median mortgage application in Warren County in 2025 was for $195,000; the median property value on originated loans was $355,000.