Lender in New York · HMDA 2025
Homestead Funding Corp. mortgages in New York
Homestead Funding Corp.'s 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Homestead Funding Corp. originated 3,489 owner-occupied single-family loans in New York from 3,579 completed applications, making it the state's #6 lender by volume.
Its median conventional purchase loan costs were $4,280 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.49% (New York: 6.50%).
Loans in NY
3,489
of 3,579 applications
Denial rate
1.9%
Purchase · NY 9.5%
Rate spread
−0.01 pts
Conv. · NY +0.07 pts
Loan amount
$265,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 3,380 | 3,296 | 1.9% | 6.490% | −0.01 pts | $4,280 | $265,000 |
| Refinance | 93 | 90 | 3.2% | 6.375% | −0.00 pts | $4,740 | $265,000 |
| Cash-out refinance | 106 | 103 | 2.8% | 6.490% | +0.23 pts | $5,310 | $245,000 |
*Conventional loans only; medians with at least 20 loans.
New York counties where Homestead Funding Corp. ranks in the top 25
Showing the 30 counties where it ranks highest, of 41.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Broome County | 1 | 257 | 19.1% |
| Greene County | 1 | 112 | 29.8% |
| Columbia County | 1 | 102 | 21.0% |
| Washington County | 1 | 98 | 16.7% |
| Montgomery County | 1 | 84 | 19.9% |
| Fulton County | 1 | 62 | 14.0% |
| Schoharie County | 1 | 53 | 20.8% |
| Tioga County | 1 | 52 | 12.8% |
| Albany County | 2 | 484 | 18.6% |
| Saratoga County | 2 | 313 | 12.9% |
| Rensselaer County | 2 | 258 | 17.7% |
| Schenectady County | 2 | 251 | 14.3% |
| Warren County | 2 | 88 | 15.6% |
| Hamilton County | 2 | 5 | 11.6% |
| Ulster County | 3 | 138 | 9.5% |
| Oneida County | 3 | 113 | 6.2% |
| Sullivan County | 4 | 25 | 4.1% |
| Franklin County | 4 | 13 | 6.3% |
| Orange County | 5 | 153 | 4.3% |
| Dutchess County | 5 | 132 | 5.3% |
| Herkimer County | 5 | 28 | 6.2% |
| Delaware County | 5 | 17 | 6.6% |
| Otsego County | 5 | 17 | 4.3% |
| Chenango County | 5 | 15 | 4.8% |
| Oswego County | 6 | 42 | 4.1% |
| Onondaga County | 7 | 164 | 3.9% |
| Essex County | 7 | 10 | 4.0% |
| Putnam County | 9 | 27 | 2.6% |
| Erie County | 11 | 160 | 1.7% |
| Jefferson County | 11 | 36 | 3.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology