New York · HMDA 2025
Mortgage lenders in Delaware County, NY
146 lenders reported 1,272 home-loan applications in Delaware County in 2025. 639 closed as loans ($123.2M), 286 were denied — a 30.0% denial rate on decided applications, above the New York rate of 23.9%. The three most active lenders handled 32% of applications, led by Sidney Federal Credit Union. 19 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,272
- Loans originated
- 639
- Purchase / refinance
- 310 / 157
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Delaware County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Sidney Federal Credit Union 67 out of 100, Moderate | 171 | 13.4% | 13.9% |
| 2 | Wayne Bank 53 out of 100, Below average | 125 | 9.8% | 25.8% |
| 3 | Rocket Mortgage, LLC | 106 | 8.3% | — |
| 4 | Community Bank, National Association 62 out of 100, Moderate | 88 | 6.9% | 18.9% |
| 5 | NBT Bank, National Association 64 out of 100, Moderate | 84 | 6.6% | 23.4% |
| 6 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 48 | 3.8% | 14.1% |
| 7 | HOMESTEAD FUNDING CORP. | 36 | 2.8% | — |
| 8 | NEWREZ LLC | 32 | 2.5% | — |
| 9 | 21st Mortgage Corporation | 30 | 2.4% | — |
| 10 | Citizens Bank, National Association 54 out of 100, Below average | 28 | 2.2% | 32.5% |
| 11 | Bank of America, National Association 59 out of 100, Moderate | 25 | 2.0% | 44.7% |
| 12 | UNITED SHORE FINANCIAL SERVICES, LLC | 24 | 1.9% | — |
| 13 | CROSSCOUNTRY MORTGAGE, INC. | 23 | 1.8% | — |
| 14 | Ulster Savings Bank | 18 | 1.4% | — |
| 15 | PENNYMAC LOAN SERVICES, LLC | 15 | 1.2% | — |
| 16 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 13 | 1.0% | 22.2% |
| 17 | Navy Federal Credit Union 66 out of 100, Moderate | 12 | 0.9% | 32.9% |
| 18 | TD Bank, National Association 63 out of 100, Moderate | 12 | 0.9% | 35.3% |
| 19 | BETTER MORTGAGE CORPORATION | 11 | 0.9% | — |
| 20 | Citibank, National Association 60 out of 100, Moderate | 11 | 0.9% | 24.0% |
| 21 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 11 | 0.9% | 32.9% |
| 22 | Broker Solutions, Inc. | 10 | 0.8% | — |
| 23 | Bethpage Federal Credit Union | 10 | 0.8% | — |
| 24 | Mortgage Research Center, LLC | 9 | 0.7% | — |
| 25 | Discover Bank | 8 | 0.6% | — |
| 26 | MID-HUDSON VALLEY Federal Credit Union 69 out of 100, Moderate | 8 | 0.6% | 36.9% |
| 27 | Visions Federal Credit Union 64 out of 100, Moderate | 8 | 0.6% | 32.6% |
| 28 | GUARANTEED RATE, INC. | 7 | 0.6% | — |
| 29 | U.S. Bank National Association 55 out of 100, Moderate | 7 | 0.6% | 39.5% |
| 30 | HUDSON VALLEY CREDIT UNION | 7 | 0.6% | — |
| 31 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 7 | 0.6% | 74.7% |
| 32 | Hometown Equity Mortgage, LLC | 7 | 0.6% | — |
| 33 | Jeff Bank 95 out of 100, Very strong | 7 | 0.6% | 36.9% |
| 34 | Broadview Federal Credit Union 59 out of 100, Moderate | 6 | 0.5% | 29.9% |
| 35 | AMERICAN FINANCIAL NETWORK, INC. | 6 | 0.5% | — |
| 36 | CMG MORTGAGE, INC. | 5 | 0.4% | — |
| 37 | Loandepot.Com, LLC | 5 | 0.4% | — |
| 38 | PREMIUM MORTGAGE CORPORATION | 5 | 0.4% | — |
| 39 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | 0.4% | — |
| 40 | AMERICU Credit Union 48 out of 100, Below average | 5 | 0.4% | 28.4% |
Top 40 of 146 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