New York · HMDA 2025
Mortgage lenders in Cortland County, NY
103 lenders reported 1,102 home-loan applications in Cortland County in 2025. 647 closed as loans ($99.8M), 207 were denied — a 23.4% denial rate on decided applications, close to the New York rate of 23.9%. The three most active lenders handled 26% of applications, led by NBT Bank, National Association. 19 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,102
- Loans originated
- 647
- Purchase / refinance
- 334 / 135
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Cortland County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | NBT Bank, National Association 64 out of 100, Moderate | 117 | 10.6% | 23.4% |
| 2 | Tompkins Community Bank 60 out of 100, Moderate | 88 | 8.0% | 19.9% |
| 3 | CFCU COMMUNITY Credit Union | 86 | 7.8% | — |
| 4 | EVERETT FINANCIAL, INC. | 71 | 6.4% | — |
| 5 | Rocket Mortgage, LLC | 69 | 6.3% | — |
| 6 | AMERICU Credit Union 48 out of 100, Below average | 60 | 5.4% | 28.4% |
| 7 | THE SUMMIT Federal Credit Union | 55 | 5.0% | — |
| 8 | The First National Bank of Dryden | 41 | 3.7% | — |
| 9 | PENNYMAC LOAN SERVICES, LLC | 34 | 3.1% | — |
| 10 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 31 | 2.8% | 32.9% |
| 11 | Citizens Bank, National Association 54 out of 100, Below average | 30 | 2.7% | 32.5% |
| 12 | Visions Federal Credit Union 64 out of 100, Moderate | 28 | 2.5% | 32.6% |
| 13 | Community Bank, National Association 62 out of 100, Moderate | 24 | 2.2% | 18.9% |
| 14 | NEWREZ LLC | 22 | 2.0% | — |
| 15 | KeyBank National Association 63 out of 100, Moderate | 20 | 1.8% | 32.8% |
| 16 | 21st Mortgage Corporation | 18 | 1.6% | — |
| 17 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 16 | 1.5% | 14.1% |
| 18 | Broadview Federal Credit Union 59 out of 100, Moderate | 15 | 1.4% | 29.9% |
| 19 | Navy Federal Credit Union 66 out of 100, Moderate | 13 | 1.2% | 32.9% |
| 20 | Empower Federal Credit Union 59 out of 100, Moderate | 13 | 1.2% | 17.2% |
| 21 | Genesee Regional Bank 72 out of 100, Strong | 12 | 1.1% | 5.7% |
| 22 | The First National Bank of Groton 78 out of 100, Strong | 11 | 1.0% | 9.3% |
| 23 | Tioga State Bank, N. A. | 10 | 0.9% | — |
| 24 | Geddes Federal Savings and Loan Association 74 out of 100, Strong | 10 | 0.9% | 7.1% |
| 25 | Mortgage Research Center, LLC | 9 | 0.8% | — |
| 26 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 7 | 0.6% | 22.2% |
| 27 | Bank of America, National Association 59 out of 100, Moderate | 7 | 0.6% | 44.7% |
| 28 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 7 | 0.6% | — |
| 29 | HOMESTEAD FUNDING CORP. | 7 | 0.6% | — |
| 30 | USAA Federal Savings Bank 64 out of 100, Moderate | 7 | 0.6% | 37.2% |
| 31 | 1ST PRIORITY MORTGAGE, INC. | 6 | 0.5% | — |
| 32 | CROSSCOUNTRY MORTGAGE, INC. | 5 | 0.5% | — |
| 33 | PLANET HOME LENDING, LLC | 5 | 0.5% | — |
| 34 | Sidney Federal Credit Union 67 out of 100, Moderate | 5 | 0.5% | 13.9% |
| 35 | Farm Credit East, ACA | 5 | 0.5% | — |
| 36 | NATIONSTAR MORTGAGE LLC | 5 | 0.5% | — |
| 37 | CARRINGTON MORTGAGE SERVICES, LLC | 5 | 0.5% | — |
| 38 | MOVEMENT MORTGAGE, LLC | 4 | 0.4% | — |
| 39 | UNITED SHORE FINANCIAL SERVICES, LLC | 4 | 0.4% | — |
| 40 | Discover Bank | 4 | 0.4% | — |
Top 40 of 103 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