New York · HMDA 2025
Mortgage lenders in Cayuga County, NY
139 lenders reported 2,020 home-loan applications in Cayuga County in 2025. 1,226 closed as loans ($196.7M), 356 were denied — a 21.8% denial rate on decided applications, below the New York rate of 23.9%. The three most active lenders handled 27% of applications, led by Empower Federal Credit Union. 20 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,020
- Loans originated
- 1,226
- Purchase / refinance
- 574 / 267
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Cayuga County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Empower Federal Credit Union 59 out of 100, Moderate | 196 | 9.7% | 17.2% |
| 2 | The Lyons National Bank 63 out of 100, Moderate | 177 | 8.8% | 7.6% |
| 3 | AMERICU Credit Union 48 out of 100, Below average | 171 | 8.5% | 28.4% |
| 4 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 102 | 5.0% | 32.9% |
| 5 | Rocket Mortgage, LLC | 94 | 4.7% | — |
| 6 | AUBURN COMMUNITY FEDERAL CREDIT UNION 83 out of 100, Strong | 81 | 4.0% | 16.9% |
| 7 | KeyBank National Association 63 out of 100, Moderate | 65 | 3.2% | 32.8% |
| 8 | Tompkins Community Bank 60 out of 100, Moderate | 57 | 2.8% | 19.9% |
| 9 | Community Bank, National Association 62 out of 100, Moderate | 56 | 2.8% | 18.9% |
| 10 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 54 | 2.7% | 14.1% |
| 11 | Genesee Regional Bank 72 out of 100, Strong | 54 | 2.7% | 5.7% |
| 12 | Cayuga Lake National Bank 44 out of 100, Below average | 52 | 2.6% | 6.1% |
| 13 | NEWREZ LLC | 41 | 2.0% | — |
| 14 | PENNYMAC LOAN SERVICES, LLC | 39 | 1.9% | — |
| 15 | 21st Mortgage Corporation | 38 | 1.9% | — |
| 16 | Citizens Bank, National Association 54 out of 100, Below average | 32 | 1.6% | 32.5% |
| 17 | AMERICAN HERITAGE LENDING, LLC | 28 | 1.4% | — |
| 18 | The First National Bank of Groton 78 out of 100, Strong | 26 | 1.3% | 9.3% |
| 19 | Chemung Canal Trust Company 72 out of 100, Strong | 25 | 1.2% | 15.1% |
| 20 | MOVEMENT MORTGAGE, LLC | 23 | 1.1% | — |
| 21 | VELOCITY COMMERCIAL CAPITAL, LLC | 23 | 1.1% | — |
| 22 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 20 | 1.0% | — |
| 23 | UNITED SHORE FINANCIAL SERVICES, LLC | 18 | 0.9% | — |
| 24 | Loandepot.Com, LLC | 17 | 0.8% | — |
| 25 | Discover Bank | 17 | 0.8% | — |
| 26 | Savannah Bank National Association | 17 | 0.8% | — |
| 27 | TRIAD FINANCIAL SERVICES, INC. | 16 | 0.8% | — |
| 28 | Bank of America, National Association 59 out of 100, Moderate | 16 | 0.8% | 44.7% |
| 29 | PREMIUM MORTGAGE CORPORATION | 16 | 0.8% | — |
| 30 | NBT Bank, National Association 64 out of 100, Moderate | 16 | 0.8% | 23.4% |
| 31 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 14 | 0.7% | 74.7% |
| 32 | EVERETT FINANCIAL, INC. | 14 | 0.7% | — |
| 33 | Geddes Federal Savings and Loan Association 74 out of 100, Strong | 14 | 0.7% | 7.1% |
| 34 | CFCU COMMUNITY Credit Union | 14 | 0.7% | — |
| 35 | Mortgage Research Center, LLC | 13 | 0.6% | — |
| 36 | Sidney Federal Credit Union 67 out of 100, Moderate | 13 | 0.6% | 13.9% |
| 37 | Navy Federal Credit Union 66 out of 100, Moderate | 12 | 0.6% | 32.9% |
| 38 | CROSSCOUNTRY MORTGAGE, INC. | 12 | 0.6% | — |
| 39 | NATIONSTAR MORTGAGE LLC | 10 | 0.5% | — |
| 40 | CARRINGTON MORTGAGE SERVICES, LLC | 10 | 0.5% | — |
Top 40 of 139 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
- Kings County 26,693 apps
- Monroe County 26,027 apps
- Westchester County 22,127 apps
- Onondaga County 14,198 apps
- New York County 13,421 apps
- Orange County 13,396 apps
- Richmond County 10,170 apps
- Albany County 9,902 apps