New York · HMDA 2025
Mortgage lenders in Hamilton County, NY
75 lenders reported 249 home-loan applications in Hamilton County in 2025. 145 closed as loans ($34.6M), 48 were denied — a 24.2% denial rate on decided applications, close to the New York rate of 23.9%. The three most active lenders handled 30% of applications, led by Community Bank, National Association. 20 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 249
- Loans originated
- 145
- Purchase / refinance
- 80 / 28
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Hamilton County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Community Bank, National Association 62 out of 100, Moderate | 34 | 13.7% | 18.9% |
| 2 | NBT Bank, National Association 64 out of 100, Moderate | 21 | 8.4% | 23.4% |
| 3 | Rocket Mortgage, LLC | 19 | 7.6% | — |
| 4 | Citizens Bank, National Association 54 out of 100, Below average | 10 | 4.0% | 32.5% |
| 5 | Broadview Federal Credit Union 59 out of 100, Moderate | 10 | 4.0% | 29.9% |
| 6 | Adirondack Bank | 9 | 3.6% | — |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 8 | 3.2% | — |
| 8 | Navy Federal Credit Union 66 out of 100, Moderate | 6 | 2.4% | 32.9% |
| 9 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 6 | 2.4% | 14.1% |
| 10 | HOMESTEAD FUNDING CORP. | 6 | 2.4% | — |
| 11 | KeyBank National Association 63 out of 100, Moderate | 6 | 2.4% | 32.8% |
| 12 | AMERICU Credit Union 48 out of 100, Below average | 5 | 2.0% | 28.4% |
| 13 | Glens Falls National Bank and Trust Company 66 out of 100, Moderate | 5 | 2.0% | 20.5% |
| 14 | FIRST SOURCE | 5 | 2.0% | — |
| 15 | NEWREZ LLC | 4 | 1.6% | — |
| 16 | Bank of America, National Association 59 out of 100, Moderate | 4 | 1.6% | 44.7% |
| 17 | Sidney Federal Credit Union 67 out of 100, Moderate | 4 | 1.6% | 13.9% |
| 18 | 21st Mortgage Corporation | 3 | 1.2% | — |
| 19 | PENNYMAC LOAN SERVICES, LLC | 3 | 1.2% | — |
| 20 | SUNMARK CREDIT UNION 56 out of 100, Moderate | 3 | 1.2% | 13.3% |
| 21 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 3 | 1.2% | 74.7% |
| 22 | Empower Federal Credit Union 59 out of 100, Moderate | 3 | 1.2% | 17.2% |
| 23 | 1ST PRIORITY MORTGAGE, INC. | 3 | 1.2% | — |
| 24 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 3 | 1.2% | 32.9% |
| 25 | MOVEMENT MORTGAGE, LLC | 2 | 0.8% | — |
| 26 | Loandepot.Com, LLC | 2 | 0.8% | — |
| 27 | Discover Bank | 2 | 0.8% | — |
| 28 | CROSSCOUNTRY MORTGAGE, INC. | 2 | 0.8% | — |
| 29 | TD Bank, National Association 63 out of 100, Moderate | 2 | 0.8% | 35.3% |
| 30 | U.S. Bank National Association 55 out of 100, Moderate | 2 | 0.8% | 39.5% |
| 31 | PREMIUM MORTGAGE CORPORATION | 2 | 0.8% | — |
| 32 | Pioneer Bank 62 out of 100, Moderate | 2 | 0.8% | 24.6% |
| 33 | AMERICAN FINANCING CORPORATION | 2 | 0.8% | — |
| 34 | TAMMAC HOLDINGS CORPORATION | 2 | 0.8% | — |
| 35 | CONTOUR MORTGAGE CORPORATION | 2 | 0.8% | — |
| 36 | NATIONSTAR MORTGAGE LLC | 2 | 0.8% | — |
| 37 | SEFCU SERVICES, LLC | 2 | 0.8% | — |
| 38 | The Canandaigua National Bank and Trust Company 60 out of 100, Moderate | 2 | 0.8% | 13.4% |
| 39 | USAA Federal Savings Bank 64 out of 100, Moderate | 2 | 0.8% | 37.2% |
| 40 | CMG MORTGAGE, INC. | 1 | 0.4% | — |
Top 40 of 75 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