New York · HMDA 2025
Mortgage lenders in Chenango County, NY
115 lenders reported 1,297 home-loan applications in Chenango County in 2025. 697 closed as loans ($92.3M), 281 were denied — a 27.9% denial rate on decided applications, above the New York rate of 23.9%. The three most active lenders handled 41% of applications, led by Sidney Federal Credit Union. 18 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,297
- Loans originated
- 697
- Purchase / refinance
- 328 / 156
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Chenango County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Sidney Federal Credit Union 67 out of 100, Moderate | 217 | 16.7% | 13.9% |
| 2 | NBT Bank, National Association 64 out of 100, Moderate | 189 | 14.6% | 23.4% |
| 3 | Rocket Mortgage, LLC | 123 | 9.5% | — |
| 4 | Visions Federal Credit Union 64 out of 100, Moderate | 83 | 6.4% | 32.6% |
| 5 | Community Bank, National Association 62 out of 100, Moderate | 65 | 5.0% | 18.9% |
| 6 | 21st Mortgage Corporation | 48 | 3.7% | — |
| 7 | GHS Federal Credit Union 46 out of 100, Below average | 38 | 2.9% | 21.2% |
| 8 | Citizens Bank, National Association 54 out of 100, Below average | 36 | 2.8% | 32.5% |
| 9 | PENNYMAC LOAN SERVICES, LLC | 35 | 2.7% | — |
| 10 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 30 | 2.3% | 32.9% |
| 11 | 1ST PRIORITY MORTGAGE, INC. | 24 | 1.9% | — |
| 12 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 23 | 1.8% | 14.1% |
| 13 | NEWREZ LLC | 21 | 1.6% | — |
| 14 | HOMESTEAD FUNDING CORP. | 21 | 1.6% | — |
| 15 | AMERICU Credit Union 48 out of 100, Below average | 17 | 1.3% | 28.4% |
| 16 | Navy Federal Credit Union 66 out of 100, Moderate | 16 | 1.2% | 32.9% |
| 17 | PREMIUM MORTGAGE CORPORATION | 15 | 1.2% | — |
| 18 | NATIONSTAR MORTGAGE LLC | 15 | 1.2% | — |
| 19 | Mortgage Research Center, LLC | 14 | 1.1% | — |
| 20 | Farm Credit East, ACA | 13 | 1.0% | — |
| 21 | PLAZA HOME MORTGAGE, INC. | 13 | 1.0% | — |
| 22 | Discover Bank | 10 | 0.8% | — |
| 23 | UNITED SHORE FINANCIAL SERVICES, LLC | 9 | 0.7% | — |
| 24 | Tioga State Bank, N. A. | 9 | 0.7% | — |
| 25 | Genesee Regional Bank 72 out of 100, Strong | 9 | 0.7% | 5.7% |
| 26 | CROSSCOUNTRY MORTGAGE, INC. | 8 | 0.6% | — |
| 27 | Bank of America, National Association 59 out of 100, Moderate | 8 | 0.6% | 44.7% |
| 28 | Broadview Federal Credit Union 59 out of 100, Moderate | 8 | 0.6% | 29.9% |
| 29 | EVERETT FINANCIAL, INC. | 8 | 0.6% | — |
| 30 | Empower Federal Credit Union 59 out of 100, Moderate | 8 | 0.6% | 17.2% |
| 31 | Loandepot.Com, LLC | 6 | 0.5% | — |
| 32 | PLANET HOME LENDING, LLC | 6 | 0.5% | — |
| 33 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 6 | 0.5% | 74.7% |
| 34 | ABSOLUTE HOME MORTGAGE CORPORATION | 5 | 0.4% | — |
| 35 | Wayne Bank 53 out of 100, Below average | 5 | 0.4% | 25.8% |
| 36 | KeyBank National Association 63 out of 100, Moderate | 5 | 0.4% | 32.8% |
| 37 | GUARANTEED RATE, INC. | 4 | 0.3% | — |
| 38 | Tompkins Community Bank 60 out of 100, Moderate | 4 | 0.3% | 19.9% |
| 39 | TAMMAC HOLDINGS CORPORATION | 4 | 0.3% | — |
| 40 | CONTOUR MORTGAGE CORPORATION | 4 | 0.3% | — |
Top 40 of 115 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