Mortgage Lenders and Brokers in Scotchtown, New York
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Scotchtown, New York mortgage lenders include Hudson Valley Credit UnionHudson Valley Credit Union1704 Western Ave Ste 7, Albany, NY 12203A+5.0 ★Texas Ratio: 3.35%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1 S Airmont Rd, Airmont, NY 10901A+5.0 ★Texas Ratio: 3.68%, Walden Savings BankWalden Savings Bank2108 Route 302, Circleville, NY 10919A5.0 ★Texas Ratio: 8.97%, Heritage Financial Credit UnionHeritage Financial Credit Union273 Route 32, Central Valley, NY 10917A5.0 ★Texas Ratio: 12.14%, Citizens Bank, NACitizens Bank, NA1440 Central Ave, Albany, NY 12205A+5.0 ★Texas Ratio: 5.44%, Municipal Credit UnionMunicipal Credit Union353 E 149th St, Bronx, NY 10455A5.0 ★Texas Ratio: 8.74%, Keybank National AssociationKeybank National Association112 Grand Concourse, Albany, NY 12220A+5.0 ★Texas Ratio: 4.81%, TD BankTD Bank125 State St, Albany, NY 12207A+5.0 ★Texas Ratio: 3.71%, M&T BankM&T Bank80 State St, Albany, NY 12207A+5.0 ★Texas Ratio: 4.11%, and Bank of America NABank of America NA1450 Western Ave, Albany, NY 12203A+5.0 ★Texas Ratio: 4.14%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Scotchtown, New York in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Scotchtown are listed first, then lenders elsewhere in New York, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Scotchtown, New York
Market share is the lender's share of all home loans closed in Scotchtown, New York. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1704 Western Ave Ste 7, Albany, NY 12203 A+5.0 ★Texas Ratio: 3.35% |
Conventional, FHA, HELOC | 15 +14 HELOCs |
9.3% | 64.3% | $211,666 | View |
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1 S Airmont Rd, Airmont, NY 10901 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA | 13 | 8% | 92.9% | $262,692 | View |
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2108 Route 302, Circleville, NY 10919 A5.0 ★Texas Ratio: 8.97% |
Conventional | 6 | 3.7% | 100% | $398,333 | View |
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273 Route 32, Central Valley, NY 10917 A5.0 ★Texas Ratio: 12.14% |
Conventional, HELOC | 5 +3 HELOCs |
3.1% | 83.3% | $265,000 | View |
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1440 Central Ave, Albany, NY 12205 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 3 +2 HELOCs |
1.9% | 100% | $311,666 | View |
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353 E 149th St, Bronx, NY 10455 A5.0 ★Texas Ratio: 8.74% |
Conventional | 3 | 1.9% | 75% | $65,000 | View |
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112 Grand Concourse, Albany, NY 12220 A+5.0 ★Texas Ratio: 4.81% |
Conventional, HELOC | 2 +2 HELOCs |
1.2% | 100% | $305,000 | View |
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125 State St, Albany, NY 12207 A+5.0 ★Texas Ratio: 3.71% |
Conventional | 2 | 1.2% | 100% | $95,000 | View |
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80 State St, Albany, NY 12207 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 1 +8 HELOCs |
0.6% | 50% | $275,000 | View |
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1450 Western Ave, Albany, NY 12203 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +4 HELOCs |
0.6% | 100% | $385,000 | View |
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3502 Broadway, Astoria, NY 11106 A+5.0 ★Texas Ratio: 4.00% |
Conventional | 1 | 0.6% | 100% | $155,000 | View |
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182 Main St, Afton, NY 13730 A+5.0 ★Texas Ratio: 3.43% |
Conventional, Jumbo | 1 | 0.6% | 100% | $985,000 | View |
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4282 Albany Post Rd, Hyde Park, NY 12538 A+5.0 ★Texas Ratio: 4.23% |
Conventional | 1 | 0.6% | 50% | $385,000 | |
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921 Saw Mill River Rd, Ardsley, NY 10502 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.6% | 100% | $255,000 | View |
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2 W Main St, Port Jervis, NY 12771 A+5.0 ★Texas Ratio: 5.06% |
Conventional | 1 | 0.6% | 100% | $85,000 | View |
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252 Broadway, Brooklyn, NY 11211 A5.0 ★Texas Ratio: 9.27% |
FHA | 1 | 0.6% | 100% | $295,000 | View |
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★ 1.8 stars, 5 reviews 327 Route 59, Airmont, NY 10952 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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7726 3rd Ave, Brooklyn, NY 11209 A+5.0 ★Texas Ratio: 5.76% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Homestead Funding Corp.
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Conventional, FHA | 5 | 3.1% | 100% | $453,000 | |
Nationwide Mortgage Bankers, Inc.
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Conventional, FHA | 4 | 2.5% | 100% | $425,000 | |
Reliance First Capital, LLC
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Conventional, FHA | 4 | 2.5% | 80% | $325,000 | |
UNMB Home Loans Inc
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Conventional, VA | 3 | 1.9% | 100% | $461,666 | |
Mid-Hudson Valley Federal C.U.
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Conventional, HELOC | 2 +4 HELOCs |
1.2% | 37.5% | $50,000 | |
Contour Mortgage Corporation
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Conventional | 2 | 1.2% | 100% | $415,000 | |
OwnersChoice Funding, Inc.
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Conventional | 1 | 0.6% | 100% | $445,000 | |
1St Priority Mortgage, Inc.
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Conventional | 1 | 0.6% | 100% | $325,000 | |
Summit Mortgage Bankers, Inc.
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Conventional | 1 | 0.6% | 100% | $185,000 | |
GuardHill Financial LLC
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Conventional | 1 | 0.6% | 100% | $685,000 | |
FM Home Loans LLC
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FHA | 1 | 0.6% | 100% | $455,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 25 | 15.4% | 73% | $203,400 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 9 | 5.6% | 90% | $366,111 | |
Newrez LLC
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Conventional, FHA, Jumbo | 7 | 4.3% | 66.7% | $479,285 | |
United Wholesale Mortgage
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Conventional, FHA | 6 | 3.7% | 85.7% | $271,666 | |
Primelending
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Conventional, FHA | 3 | 1.9% | 100% | $345,000 | |
loanDepot.com LLC
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Conventional, FHA | 3 | 1.9% | 75% | $288,333 | |
Pennymac Loan Services LLC
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Conventional, FHA | 3 | 1.9% | 60% | $441,666 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 2 +2 HELOCs |
1.2% | 33.3% | $275,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 2 | 1.2% | 100% | $370,000 | |
Nqm Funding, LLC
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Conventional | 2 | 1.2% | 100% | $310,000 | |
Credit Human Federal Credit Un
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Conventional | 2 | 1.2% | 66.7% | $140,000 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 2 | 1.2% | 66.7% | $410,000 | |
HomeBridge Financial Services, Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $665,000 | |
EMM Loans LLC
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FHA | 1 | 0.6% | 100% | $515,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.6% | 100% | $285,000 | View |
Triad Financial Services, Inc.
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Conventional | 1 | 0.6% | 60% | $65,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $245,000 | |
General Mortgage Capital Corporation
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Conventional | 1 | 0.6% | 100% | $205,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 0.6% | 100% | $715,000 | |
Discover Bank
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Conventional | 1 | 0.6% | 25% | $225,000 | |
Sun West Mortgage Company, Inc
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FHA | 1 | 0.6% | 50% | $405,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.6% | 100% | $315,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.6% | 50% | $265,000 | |
Mortgage Research Center
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VA | 1 | 0.6% | 100% | $665,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.6% | 100% | $555,000 | View |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.6% | 50% | $345,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Tower Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
| HELOC | 0 +1 HELOCs |
0% | n/a | View |
Scotchtown Mortgage Rate Trends
Daily average mortgage rates for New York compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Scotchtown, New York
Looking for mortgage lenders near me or mortgage brokers near me in Scotchtown? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Scotchtown in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Scotchtown, NY
Use these to narrow the list above. Each category shows how many Scotchtown, NY lenders fit and what that kind of lender is usually best for.
Who Lends in Scotchtown, NY
Independent mortgage companies closed 58.6 percent of home loans in Scotchtown, New York in 2025, banks 22.8 percent and credit unions 18.5 percent. United Mortgage Corp. was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Hudson Valley Credit Union the largest credit union. Among lenders headquartered in New York, Hudson Valley Credit Union led with 15 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Attorneys customarily handle closings in New York. State mortgage recording tax of 0.5 percent plus a 0.25 percent special additional tax (paid by the lender on one to six family homes) and 0.25 percent more in the MCTD counties; in New York City the combined rate is 2.05 percent under $500,000 and 2.175 percent at or above, of which the borrower effectively pays 1.8 or 1.925 percent. State transfer tax is $2 per $500 plus a 1 percent mansion tax on homes of $1 million or more; NYC adds its own 1 to 1.425 percent RPTT. A CEMA (consolidation, extension and modification agreement) assigns the old mortgage to the new lender so recording tax is paid only on new money, and is standard practice for refinances and many purchases.
More New York Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Scotchtown, NY
By home loans closed in 2025, Hudson Valley Credit Union was the largest mortgage lender in Scotchtown, New York with 15 loans, about 9.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
18 lenders closed FHA loans in Scotchtown, New York in 2025, led by Nationwide Mortgage Bankers, Inc. with 2. 4 lenders closed VA loans, led by UNMB Home Loans Inc. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 19 banks and 8 credit unions closed home loans in Scotchtown, New York in 2025, alongside 32 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Scotchtown, New York during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Scotchtown, New York for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Scotchtown. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
