New York · HMDA 2025
Mortgage lenders in Fulton County, NY
128 lenders reported 1,679 home-loan applications in Fulton County in 2025. 894 closed as loans ($149.3M), 328 were denied — a 26.1% denial rate on decided applications, above the New York rate of 23.9%. The three most active lenders handled 22% of applications, led by NBT Bank, National Association. 18 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,679
- Loans originated
- 894
- Purchase / refinance
- 465 / 215
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Fulton County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | NBT Bank, National Association 64 out of 100, Moderate | 132 | 7.9% | 23.4% |
| 2 | Rocket Mortgage, LLC | 123 | 7.3% | — |
| 3 | Community Bank, National Association 62 out of 100, Moderate | 119 | 7.1% | 18.9% |
| 4 | Broadview Federal Credit Union 59 out of 100, Moderate | 115 | 6.8% | 29.9% |
| 5 | HOMESTEAD FUNDING CORP. | 105 | 6.3% | — |
| 6 | NEWREZ LLC | 83 | 4.9% | — |
| 7 | Citizens Bank, National Association 54 out of 100, Below average | 78 | 4.6% | 32.5% |
| 8 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 56 | 3.3% | 14.1% |
| 9 | SUNMARK CREDIT UNION 56 out of 100, Moderate | 55 | 3.3% | 13.3% |
| 10 | PENNYMAC LOAN SERVICES, LLC | 47 | 2.8% | — |
| 11 | KeyBank National Association 63 out of 100, Moderate | 46 | 2.7% | 32.8% |
| 12 | UNITED SHORE FINANCIAL SERVICES, LLC | 43 | 2.6% | — |
| 13 | SEFCU SERVICES, LLC | 33 | 2.0% | — |
| 14 | Navy Federal Credit Union 66 out of 100, Moderate | 32 | 1.9% | 32.9% |
| 15 | PREMIUM MORTGAGE CORPORATION | 31 | 1.8% | — |
| 16 | Pioneer Bank 62 out of 100, Moderate | 26 | 1.5% | 24.6% |
| 17 | Sidney Federal Credit Union 67 out of 100, Moderate | 22 | 1.3% | 13.9% |
| 18 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 19 | 1.1% | 32.9% |
| 19 | 21st Mortgage Corporation | 17 | 1.0% | — |
| 20 | AMERICU Credit Union 48 out of 100, Below average | 17 | 1.0% | 28.4% |
| 21 | TrustCo Bank 62 out of 100, Moderate | 17 | 1.0% | 28.5% |
| 22 | FREEDOM MORTGAGE CORPORATION | 15 | 0.9% | — |
| 23 | Mortgage Research Center, LLC | 14 | 0.8% | — |
| 24 | Loan Funder LLC | 14 | 0.8% | — |
| 25 | G.P.O. Federal Credit Union 79 out of 100, Strong | 14 | 0.8% | 40.4% |
| 26 | Discover Bank | 13 | 0.8% | — |
| 27 | TRIAD FINANCIAL SERVICES, INC. | 13 | 0.8% | — |
| 28 | Bank of America, National Association 59 out of 100, Moderate | 13 | 0.8% | 44.7% |
| 29 | NATIONSTAR MORTGAGE LLC | 12 | 0.7% | — |
| 30 | AMERICAN HERITAGE LENDING, LLC | 12 | 0.7% | — |
| 31 | FIRST NEW YORK | 11 | 0.7% | — |
| 32 | Loandepot.Com, LLC | 10 | 0.6% | — |
| 33 | US MORTGAGE CORPORATION | 10 | 0.6% | — |
| 34 | Empower Federal Credit Union 59 out of 100, Moderate | 10 | 0.6% | 17.2% |
| 35 | PHH Mortgage Corporation | 10 | 0.6% | — |
| 36 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 9 | 0.5% | 22.2% |
| 37 | Glens Falls National Bank and Trust Company 66 out of 100, Moderate | 9 | 0.5% | 20.5% |
| 38 | FIRST SOURCE | 9 | 0.5% | — |
| 39 | Broker Solutions, Inc. | 8 | 0.5% | — |
| 40 | PLANET HOME LENDING, LLC | 8 | 0.5% | — |
Top 40 of 128 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