New York · HMDA 2025
Mortgage lenders in Jefferson County, NY
137 lenders reported 3,386 home-loan applications in Jefferson County in 2025. 1,984 closed as loans ($426.4M), 528 were denied — a 20.0% denial rate on decided applications, below the New York rate of 23.9%. The three most active lenders handled 31% of applications, led by NORTHERN CREDIT UNION. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 3,386
- Loans originated
- 1,984
- Purchase / refinance
- 1,164 / 382
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Jefferson County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | NORTHERN CREDIT UNION | 493 | 14.6% | — |
| 2 | MOVEMENT MORTGAGE, LLC | 291 | 8.6% | — |
| 3 | AMERICU Credit Union 48 out of 100, Below average | 263 | 7.8% | 28.4% |
| 4 | Community Bank, National Association 62 out of 100, Moderate | 221 | 6.5% | 18.9% |
| 5 | PENNYMAC LOAN SERVICES, LLC | 202 | 6.0% | — |
| 6 | Watertown Savings Bank | 174 | 5.1% | — |
| 7 | Rocket Mortgage, LLC | 152 | 4.5% | — |
| 8 | Mortgage Research Center, LLC | 137 | 4.0% | — |
| 9 | Carthage Savings and Loan, National Association 77 out of 100, Strong | 127 | 3.8% | 11.6% |
| 10 | Navy Federal Credit Union 66 out of 100, Moderate | 123 | 3.6% | 32.9% |
| 11 | NEWREZ LLC | 83 | 2.5% | — |
| 12 | Genesee Regional Bank 72 out of 100, Strong | 68 | 2.0% | 5.7% |
| 13 | Gouverneur Savings and Loan Association 74 out of 100, Strong | 66 | 1.9% | 19.9% |
| 14 | PLAZA HOME MORTGAGE, INC. | 64 | 1.9% | — |
| 15 | Loandepot.Com, LLC | 49 | 1.4% | — |
| 16 | CROSSCOUNTRY MORTGAGE, INC. | 49 | 1.4% | — |
| 17 | KeyBank National Association 63 out of 100, Moderate | 44 | 1.3% | 32.8% |
| 18 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 43 | 1.3% | 14.1% |
| 19 | HOMESTEAD FUNDING CORP. | 43 | 1.3% | — |
| 20 | FREEDOM MORTGAGE CORPORATION | 40 | 1.2% | — |
| 21 | USAA Federal Savings Bank 64 out of 100, Moderate | 39 | 1.2% | 37.2% |
| 22 | Citizens Bank, National Association 54 out of 100, Below average | 37 | 1.1% | 32.5% |
| 23 | UNITED SHORE FINANCIAL SERVICES, LLC | 32 | 0.9% | — |
| 24 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 30 | 0.9% | 32.9% |
| 25 | PLANET HOME LENDING, LLC | 29 | 0.9% | — |
| 26 | NATIONSTAR MORTGAGE LLC | 28 | 0.8% | — |
| 27 | Kiavi Funding, Inc. | 26 | 0.8% | — |
| 28 | 21st Mortgage Corporation | 23 | 0.7% | — |
| 29 | Empower Federal Credit Union 59 out of 100, Moderate | 20 | 0.6% | 17.2% |
| 30 | Loan Funder LLC | 18 | 0.5% | — |
| 31 | Discover Bank | 17 | 0.5% | — |
| 32 | Bank of America, National Association 59 out of 100, Moderate | 16 | 0.5% | 44.7% |
| 33 | Farm Credit East, ACA | 14 | 0.4% | — |
| 34 | TRIAD FINANCIAL SERVICES, INC. | 12 | 0.4% | — |
| 35 | Texana Bank, National Association | 12 | 0.4% | — |
| 36 | Sidney Federal Credit Union 67 out of 100, Moderate | 10 | 0.3% | 13.9% |
| 37 | Armed Forces Bank, National Association 83 out of 100, Strong | 10 | 0.3% | 20.4% |
| 38 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 10 | 0.3% | 74.7% |
| 39 | CARRINGTON MORTGAGE SERVICES, LLC | 10 | 0.3% | — |
| 40 | 1ST PRIORITY MORTGAGE, INC. | 10 | 0.3% | — |
Top 40 of 137 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