Home financing in Putnam County.
County-by-county financing guides. No paperwork. No social. No ID.
No institution is based inside the Putnam County line. We do not hide that — below are the doors that serve it from the rest of New York.
Not this lane? Business FinancingPersonal Financing
No institution is headquartered inside the Putnam County line.
That is not a gap in this page, and it is not unusual: 56 of New York's 62 counties hold a door in this lane, and Putnam County is not one of them. What does serve it is below, by name and by town.
The doors in Putnam County.
The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.
- 11
- DOORS HERE
- 0
- BASED HERE
- 56
- NY COUNTIES WITH DOORS
- Lane
- Home Financing
- People
- 98Kresidents of Putnam County
- Elsewhere in NY
- New York County →51 doors — the biggest list of any other county in New York
- Doors
- 11serving this county · none inside the line
- ITIN
- 3take an ITIN instead of a social security number
- State
- New York →56 of 62 counties hold a door in this lane
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
Adirondack Economic Development Corporation · Ascendus Inc.They will open an application with an ITIN instead of a social security number. No citizenship test at the door.
Mission Asset Fund · Accion Opportunity Fund- Adirondack Economic Development CorporationSBA microlenderCommunity lending · Business capital
- Ascendus Inc.SBA microlenderCommunity lending · Business capital
- BOC Capital Corp.SBA microlenderCommunity lending · Business capital
- Business Consortium Fund, Inc.Community lending · Business capital
- Community Capital New York, IncSBA microlenderCommunity lending · Business capital
- IN THIS LIST
8 of the 11 doors that serve this county are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
- Harlem Entrepreneurial Fund, LLCSBA microlenderCommunity lending · Business capital
- PathStone Enterprise Center, Inc.SBA microlenderCommunity lending · Business capital
- Renaissance Economic Development CorporationSBA microlenderCommunity lending · Business capital
- Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal - Accion Opportunity FundAccepts ITIN
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital
3 of the 11 accept an ITIN.
They will open an application with an ITIN instead of a social security number. They are marked ACCEPTS ITIN below.
How to read this list.
We do not ask for your name, your email, or your number. Nothing on this page changes based on who you are.
A door is headquartered here when its head office sits inside the county line. The rest are based elsewhere and keep a branch you can walk into. We list both, and we label which is which.
Every institution on this page comes from public federal data — the CDFI Fund certified list (Aug 2026), NCUA credit union data (Jun 2026), and the SBA microloan intermediary list (Sep 2026) — plus a short national tier we verified by hand. We refresh each list as its agency publishes. No listing is paid.
Who actually approves home loans in Putnam County.
home-purchase applications that reached a decision were turned down: 100 of 978.
- Applications
- 1,118
- Loans made
- 850
- Median rate
- 6.5%
- Too much debt for the income52%
- The home's value or condition18%
- Credit history12%
- Rocket Mortgage15711617.6%6.5%
- United Shore Financial Services1189413.6%6.4%
- Crosscountry Mortgage102813.6%6.7%
- JPMorgan Chase Bank1177613.6%6.4%
- Hudson Valley Credit Union1136623.3%4.5%
- Pennymac Loan Services62489.4%6.5%
- Newrez844131.7%6.8%
- Loandepot.com39322.9%6.6%
- Prosperity Home Mortgage35306.3%6.9%
- Manufacturers and Traders Trust40288.6%6%
The 10 lenders that made the most home loans in Putnam County in 2025, buying and refinancing together. The mark on each bar is the whole county's denial rate (16.6%). Home loans only: first-lien, owner-occupied, one-to-four-unit homes, as reported under the federal HMDA law. Small lenders below its reporting threshold — many of the credit unions above — don't report, so their loans aren't counted here. Rates are for loans made. Source: HMDA 2025 public loan records (FFIEC).
Putnam County housing is a mix of lake cottages, older capes and colonials, small multifamily buildings in Brewster, and newer homes on wooded lots, most on wells and septic and much of it inside the New York City watershed. No lender in our directory is based in the county, so this guide is honest about who serves you: statewide mission lenders, national nonprofits that help ITIN households build credit, and New York's state housing agencies. It covers how home loans work here, who qualifies, what to gather, and the traps to avoid.
It's a process, not a rejection.
Home financing is borrowing to buy, refinance, repair, or invest in a home. A mortgage is a long-term loan secured by the house. A home equity loan or line lets you borrow against what you already own. Renovation loans fold repair costs into the purchase.
Putnam County's housing has a few things that set it apart. Many homes run on private wells and septic systems, so inspections matter more than in a city. Much of the county lies inside the New York City watershed, which adds review for septic replacement and building near water.
Lake communities around Mahopac and Lake Carmel include converted summer cottages that some lenders treat carefully.
Property taxes are a large part of the monthly payment, and lenders count them when they decide what you can afford.
For small investors, two- to four-family buildings in Brewster and the hamlets near the Metro-North stations are the common entry point; the rent helps qualify you. For working families, an older home that needs work, bought with a renovation loan, can be the realistic first step.
Forget what the banks say.
Mortgage lenders weigh your credit, your income and how steady it is, your debts compared with your income, and your down payment.
People who get approved in Putnam County include:
- Commuters with W-2 jobs in Westchester or the city
- Local employees in schools, county government, health care, and retail
- Self-employed landscapers, builders, and cleaners with two years of tax returns showing the income
- Seasonal tradespeople whose summer and fall income carries the winter, documented across the full year
- Small investors buying a two- to four-family building, judged on their income plus the expected rent
For self-employed borrowers, the hard part is that lenders use your taxable income after expenses. If you write off everything, you may not qualify for the house you can actually afford. Plan your taxes with a home purchase in mind a year or two ahead.
If you have an ITIN instead of a Social Security number, a standard mortgage is harder, but some lenders and CDFIs do make ITIN mortgages. Ask directly, and build credit in the meantime.
Get your papers in order.
- 01Photo ID and your Social Security number or ITIN
- 02Two years of W-2s or 1099s and two years of complete federal tax returns
- 03Pay stubs covering the last 30 days, if you are on payroll
- 04Two to three months of statements for every account, with large deposits explained
- 05Proof of where the down payment comes from
A signed gift letter if family is helping
- 06Rent payment records, if your credit file is thin
- 07For a multifamily purchase: current leases and rent rolls
- 08For a renovation
Contractor estimates from licensed contractors
- 09Well and septic inspection reports, once you have a house under contract
- MISSING ONE?Ask Iris which one you're missing.ASK A QUESTION ↓
The doors worth knowing.
No bank, credit union, or community lender in our directory is based inside the Putnam County line.
ALL 11 DOORS, BY NAME AND BY TOWN- 11
- SERVE IT
- 101
- ACROSS NY
Based in Saranac Lake, New York. A community development financial institution, certified by the U.S. Treasury to lend where a bank will not, and used to a file that is not clean. It lends SBA microloan money.
BEST FORCommunity lending where a bank has already said no, and working capital, equipment and payroll for a small business.Based in New York, New York. Treasury-certified as a CDFI, which is a mandate rather than a courtesy: reaching borrowers the mainstream market passes over is the job. It lends SBA microloan money.
BEST FORWorking capital, equipment and payroll for a small business, and community lending where a bank has already said no.Based in Brooklyn, New York. A CDFI — a mission lender, not a branch network. It is measured on who it reaches, which is why a thin file is not the end of the conversation. It lends SBA microloan money.
BEST FORCommunity lending where a bank has already said no, and working capital, equipment and payroll for a small business.Based in New York, New York. A community development financial institution, certified by the U.S. Treasury to lend where a bank will not, and used to a file that is not clean.
BEST FORWorking capital, equipment and payroll for a small business, and community lending where a bank has already said no.
Don't fall into these traps.
Anyone who charges a fee to stop a foreclosure, or asks you to sign over the deed, is a danger. Free help exists through HUD-approved counselors.
A failed septic or contaminated well can cost more than your down payment. Never waive them to win a bidding war without understanding the risk.
Moving credit card debt onto your house puts your home on the line for things that do not last.
If the contractor is unlicensed or disappears, you still owe the loan.
A notario público is not a lawyer in the United States. Use a real attorney; in New York, most home purchases use one anyway.
Confirm wiring instructions by calling your attorney or title company at a number you already know.
Everything below is set by New York, and it reads the same in every county in it. Who opens the door is not: 3 of the 11 above will take an ITIN instead of a social security number.
The rules where you are.
State mortgage help. The State of New York Mortgage Agency works through approved lenders. Ask any lender you talk to whether it offers those loans, and take a homebuyer education course early, since many programs require it.
Well, septic, and watershed. Have the well water tested and the septic system inspected before closing. In the watershed, a failing septic system can mean an expensive replacement with extra review. Some local programs have helped pay for septic repairs; ask the county health department what is available now.
Hiring contractors. Putnam County licenses home improvement contractors. Check the license before you give a deposit, and get a written contract.
Foreclosure protections. New York requires settlement conferences in most residential foreclosures, giving homeowners a chance to work out a solution with the lender. If you fall behind, call a HUD-approved counselor right away.
Rental rules. New York has strong tenant protections. If you buy a multifamily building, learn the rules on security deposits, repairs, and evictions before you count on the rent.
The short version.
- 01
Buying or investing in Putnam County takes preparation: steady deposits, clean tax returns, and careful well and septic inspections. No lender in our directory is based in the county, so start with the state's own mortgage agency through a participating lender and a free HUD-approved housing counselor. If you are an investor or self-employed, Community Capital New York and the statewide CDFIs listed here are worth a call. If you have an ITIN or thin credit, build it first with Mission Asset Fund.
- 02
Origen Capital is a directory, not a lender. We do not collect your information and we do not sell financial products. Use this guide to find the right door, then deal directly with the institution.
Same county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN PUTNAM COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN PUTNAM COUNTY →56NY COUNTIES WITH DOORSThe whole stateEvery county in New York, in this same lane.101 institutions fund homes and repairs inside New York county lines.OPEN THE STATE →Still don't see your situation?
Ask Iris. She'll explain it the way it should have been explained the first time.