New York · HMDA 2025
Mortgage lenders in Franklin County, NY
92 lenders reported 733 home-loan applications in Franklin County in 2025. 380 closed as loans ($74.3M), 129 were denied — a 24.6% denial rate on decided applications, close to the New York rate of 23.9%. The three most active lenders handled 41% of applications, led by Community Bank, National Association. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 733
- Loans originated
- 380
- Purchase / refinance
- 218 / 82
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Franklin County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Community Bank, National Association 62 out of 100, Moderate | 167 | 22.8% | 18.9% |
| 2 | Rocket Mortgage, LLC | 87 | 11.9% | — |
| 3 | NBT Bank, National Association 64 out of 100, Moderate | 44 | 6.0% | 23.4% |
| 4 | ABSOLUTE HOME MORTGAGE CORPORATION | 34 | 4.6% | — |
| 5 | NEWREZ LLC | 26 | 3.5% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 26 | 3.5% | — |
| 7 | KeyBank National Association 63 out of 100, Moderate | 20 | 2.7% | 32.8% |
| 8 | HOMESTEAD FUNDING CORP. | 16 | 2.2% | — |
| 9 | Navy Federal Credit Union 66 out of 100, Moderate | 14 | 1.9% | 32.9% |
| 10 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 14 | 1.9% | 14.1% |
| 11 | Adirondack Bank | 12 | 1.6% | — |
| 12 | Citizens Bank, National Association 54 out of 100, Below average | 11 | 1.5% | 32.5% |
| 13 | Bank of America, National Association 59 out of 100, Moderate | 11 | 1.5% | 44.7% |
| 14 | Mortgage Research Center, LLC | 10 | 1.4% | — |
| 15 | AMERICU Credit Union 48 out of 100, Below average | 10 | 1.4% | 28.4% |
| 16 | Genesee Regional Bank 72 out of 100, Strong | 10 | 1.4% | 5.7% |
| 17 | 21st Mortgage Corporation | 9 | 1.2% | — |
| 18 | U.S. Bank National Association 55 out of 100, Moderate | 9 | 1.2% | 39.5% |
| 19 | FREEDOM MORTGAGE CORPORATION | 9 | 1.2% | — |
| 20 | SEFCU SERVICES, LLC | 9 | 1.2% | — |
| 21 | CROSSCOUNTRY MORTGAGE, INC. | 8 | 1.1% | — |
| 22 | MOVEMENT MORTGAGE, LLC | 7 | 1.0% | — |
| 23 | Loandepot.Com, LLC | 7 | 1.0% | — |
| 24 | Discover Bank | 6 | 0.8% | — |
| 25 | Broadview Federal Credit Union 59 out of 100, Moderate | 6 | 0.8% | 29.9% |
| 26 | Glens Falls National Bank and Trust Company 66 out of 100, Moderate | 6 | 0.8% | 20.5% |
| 27 | Farm Credit East, ACA | 6 | 0.8% | — |
| 28 | BETTER MORTGAGE CORPORATION | 6 | 0.8% | — |
| 29 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 5 | 0.7% | 22.2% |
| 30 | Broker Solutions, Inc. | 5 | 0.7% | — |
| 31 | NORTHERN CREDIT UNION | 5 | 0.7% | — |
| 32 | PENTAGON FEDERAL CREDIT UNION 64 out of 100, Moderate | 5 | 0.7% | 45.9% |
| 33 | NATIONSTAR MORTGAGE LLC | 5 | 0.7% | — |
| 34 | ROYAL UNITED MORTGAGE LLC | 5 | 0.7% | — |
| 35 | PHH Mortgage Corporation | 5 | 0.7% | — |
| 36 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 5 | 0.7% | 32.9% |
| 37 | UNITED SHORE FINANCIAL SERVICES, LLC | 4 | 0.5% | — |
| 38 | TD Bank, National Association 63 out of 100, Moderate | 4 | 0.5% | 35.3% |
| 39 | Click n' Close, Inc. | 4 | 0.5% | — |
| 40 | FINANCE OF AMERICA REVERSE LLC | 4 | 0.5% | — |
Top 40 of 92 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