New York · HMDA 2025
Mortgage lenders in Herkimer County, NY
126 lenders reported 1,836 home-loan applications in Herkimer County in 2025. 1,043 closed as loans ($153.5M), 366 were denied — a 25.2% denial rate on decided applications, above the New York rate of 23.9%. The three most active lenders handled 36% of applications, led by FIRST SOURCE. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,836
- Loans originated
- 1,043
- Purchase / refinance
- 457 / 226
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Herkimer County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | FIRST SOURCE | 315 | 17.2% | — |
| 2 | AMERICU Credit Union 48 out of 100, Below average | 191 | 10.4% | 28.4% |
| 3 | G.P.O. Federal Credit Union 79 out of 100, Strong | 161 | 8.8% | 40.4% |
| 4 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 101 | 5.5% | 32.9% |
| 5 | Rocket Mortgage, LLC | 93 | 5.1% | — |
| 6 | Adirondack Bank | 84 | 4.6% | — |
| 7 | Citizens Bank, National Association 54 out of 100, Below average | 53 | 2.9% | 32.5% |
| 8 | NBT Bank, National Association 64 out of 100, Moderate | 51 | 2.8% | 23.4% |
| 9 | NEWREZ LLC | 50 | 2.7% | — |
| 10 | HOMESTEAD FUNDING CORP. | 38 | 2.1% | — |
| 11 | PENNYMAC LOAN SERVICES, LLC | 35 | 1.9% | — |
| 12 | SEFCU SERVICES, LLC | 35 | 1.9% | — |
| 13 | 21st Mortgage Corporation | 32 | 1.7% | — |
| 14 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 32 | 1.7% | — |
| 15 | Community Bank, National Association 62 out of 100, Moderate | 32 | 1.7% | 18.9% |
| 16 | Kiavi Funding, Inc. | 32 | 1.7% | — |
| 17 | Empower Federal Credit Union 59 out of 100, Moderate | 25 | 1.4% | 17.2% |
| 18 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 24 | 1.3% | 14.1% |
| 19 | PLAZA HOME MORTGAGE, INC. | 23 | 1.3% | — |
| 20 | MOVEMENT MORTGAGE, LLC | 20 | 1.1% | — |
| 21 | NATIONSTAR MORTGAGE LLC | 20 | 1.1% | — |
| 22 | PHH Mortgage Corporation | 20 | 1.1% | — |
| 23 | Loandepot.Com, LLC | 17 | 0.9% | — |
| 24 | Mortgage Research Center, LLC | 17 | 0.9% | — |
| 25 | PREMIUM MORTGAGE CORPORATION | 17 | 0.9% | — |
| 26 | Navy Federal Credit Union 66 out of 100, Moderate | 16 | 0.9% | 32.9% |
| 27 | PLANET HOME LENDING, LLC | 13 | 0.7% | — |
| 28 | Utica Gas & Electric Federal Credit Union | 12 | 0.7% | — |
| 29 | UNITED SHORE FINANCIAL SERVICES, LLC | 11 | 0.6% | — |
| 30 | Discover Bank | 11 | 0.6% | — |
| 31 | CROSSCOUNTRY MORTGAGE, INC. | 10 | 0.5% | — |
| 32 | HUNT MORTGAGE CORPORATION | 10 | 0.5% | — |
| 33 | Sidney Federal Credit Union 67 out of 100, Moderate | 9 | 0.5% | 13.9% |
| 34 | Broadview Federal Credit Union 59 out of 100, Moderate | 9 | 0.5% | 29.9% |
| 35 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 9 | 0.5% | 74.7% |
| 36 | ROYAL UNITED MORTGAGE LLC | 9 | 0.5% | — |
| 37 | KeyBank National Association 63 out of 100, Moderate | 8 | 0.4% | 32.8% |
| 38 | Bank of America, National Association 59 out of 100, Moderate | 7 | 0.4% | 44.7% |
| 39 | Loan Funder LLC | 7 | 0.4% | — |
| 40 | LENDINGONE, LLC | 7 | 0.4% | — |
Top 40 of 126 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