New York · HMDA 2025
Mortgage lenders in Allegany County, NY
93 lenders reported 919 home-loan applications in Allegany County in 2025. 528 closed as loans ($69.4M), 200 were denied — a 27.0% denial rate on decided applications, above the New York rate of 23.9%. The three most active lenders handled 48% of applications, led by Community Bank, National Association. 19 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 919
- Loans originated
- 528
- Purchase / refinance
- 257 / 119
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Allegany County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Community Bank, National Association 62 out of 100, Moderate | 266 | 28.9% | 18.9% |
| 2 | Rocket Mortgage, LLC | 125 | 13.6% | — |
| 3 | SERVU FEDERAL CREDIT UNION 86 out of 100, Very strong | 52 | 5.7% | 12.8% |
| 4 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 33 | 3.6% | 32.9% |
| 5 | Five Star Bank 66 out of 100, Moderate | 29 | 3.2% | 12.7% |
| 6 | PREMIUM MORTGAGE CORPORATION | 25 | 2.7% | — |
| 7 | PENNYMAC LOAN SERVICES, LLC | 20 | 2.2% | — |
| 8 | Navy Federal Credit Union 66 out of 100, Moderate | 19 | 2.1% | 32.9% |
| 9 | 21st Mortgage Corporation | 19 | 2.1% | — |
| 10 | UNITED SHORE FINANCIAL SERVICES, LLC | 19 | 2.1% | — |
| 11 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 18 | 2.0% | 14.1% |
| 12 | Citizens Bank, National Association 54 out of 100, Below average | 18 | 2.0% | 32.5% |
| 13 | 1ST PRIORITY MORTGAGE, INC. | 17 | 1.8% | — |
| 14 | Mortgage Research Center, LLC | 14 | 1.5% | — |
| 15 | Tompkins Community Bank 60 out of 100, Moderate | 14 | 1.5% | 19.9% |
| 16 | Farm Credit East, ACA | 13 | 1.4% | — |
| 17 | FIRST HERITAGE FEDERAL CREDIT UNION 72 out of 100, Strong | 13 | 1.4% | 24.0% |
| 18 | ESL Federal Credit Union 90 out of 100, Very strong | 12 | 1.3% | 19.4% |
| 19 | Discover Bank | 10 | 1.1% | — |
| 20 | NATIONSTAR MORTGAGE LLC | 10 | 1.1% | — |
| 21 | CROSSCOUNTRY MORTGAGE, INC. | 8 | 0.9% | — |
| 22 | Bank of America, National Association 59 out of 100, Moderate | 8 | 0.9% | 44.7% |
| 23 | First Citizens Community Bank 52 out of 100, Below average | 8 | 0.9% | 7.8% |
| 24 | ROYAL UNITED MORTGAGE LLC | 8 | 0.9% | — |
| 25 | NEWREZ LLC | 7 | 0.8% | — |
| 26 | Loandepot.Com, LLC | 6 | 0.7% | — |
| 27 | USAA Federal Savings Bank 64 out of 100, Moderate | 6 | 0.7% | 37.2% |
| 28 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 5 | 0.5% | — |
| 29 | Empower Federal Credit Union 59 out of 100, Moderate | 5 | 0.5% | 17.2% |
| 30 | THE SUMMIT Federal Credit Union | 5 | 0.5% | — |
| 31 | PLAZA HOME MORTGAGE, INC. | 4 | 0.4% | — |
| 32 | CORNING CREDIT UNION | 4 | 0.4% | — |
| 33 | KeyBank National Association 63 out of 100, Moderate | 4 | 0.4% | 32.8% |
| 34 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 3 | 0.3% | 22.2% |
| 35 | MOVEMENT MORTGAGE, LLC | 3 | 0.3% | — |
| 36 | PNC Bank, National Association 62 out of 100, Moderate | 3 | 0.3% | 33.8% |
| 37 | The Lyons National Bank 63 out of 100, Moderate | 3 | 0.3% | 7.6% |
| 38 | PLANET HOME LENDING, LLC | 3 | 0.3% | — |
| 39 | CITIZENS & NORTHERN BANK 53 out of 100, Below average | 3 | 0.3% | 12.5% |
| 40 | LAKEVIEW LOAN SERVICING, LLC | 3 | 0.3% | — |
Top 40 of 93 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in New York
- Suffolk County 51,239 apps
- Nassau County 38,055 apps
- Queens County 29,227 apps
- Erie County 26,759 apps
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- New York County 13,421 apps
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