New York · HMDA 2025
Mortgage lenders in Lewis County, NY
81 lenders reported 739 home-loan applications in Lewis County in 2025. 462 closed as loans ($64.6M), 144 were denied — a 22.9% denial rate on decided applications, close to the New York rate of 23.9%. The three most active lenders handled 48% of applications, led by NORTHERN CREDIT UNION. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 739
- Loans originated
- 462
- Purchase / refinance
- 221 / 93
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Lewis County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | NORTHERN CREDIT UNION | 170 | 23.0% | — |
| 2 | Community Bank, National Association 62 out of 100, Moderate | 118 | 16.0% | 18.9% |
| 3 | AMERICU Credit Union 48 out of 100, Below average | 65 | 8.8% | 28.4% |
| 4 | Carthage Savings and Loan, National Association 77 out of 100, Strong | 57 | 7.7% | 11.6% |
| 5 | Rocket Mortgage, LLC | 30 | 4.1% | — |
| 6 | MOVEMENT MORTGAGE, LLC | 25 | 3.4% | — |
| 7 | ROME TEACHERS FEDERAL CREDIT UNION | 19 | 2.6% | — |
| 8 | Farm Credit East, ACA | 16 | 2.2% | — |
| 9 | PLAZA HOME MORTGAGE, INC. | 16 | 2.2% | — |
| 10 | NEWREZ LLC | 15 | 2.0% | — |
| 11 | PENNYMAC LOAN SERVICES, LLC | 12 | 1.6% | — |
| 12 | Citizens Bank, National Association 54 out of 100, Below average | 11 | 1.5% | 32.5% |
| 13 | CROSSCOUNTRY MORTGAGE, INC. | 11 | 1.5% | — |
| 14 | Navy Federal Credit Union 66 out of 100, Moderate | 10 | 1.4% | 32.9% |
| 15 | KeyBank National Association 63 out of 100, Moderate | 10 | 1.4% | 32.8% |
| 16 | Mortgage Research Center, LLC | 9 | 1.2% | — |
| 17 | HOMESTEAD FUNDING CORP. | 9 | 1.2% | — |
| 18 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 8 | 1.1% | 32.9% |
| 19 | 21st Mortgage Corporation | 6 | 0.8% | — |
| 20 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 5 | 0.7% | 14.1% |
| 21 | Equity Prime Mortgage LLC | 5 | 0.7% | — |
| 22 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 5 | 0.7% | 74.7% |
| 23 | Empower Federal Credit Union 59 out of 100, Moderate | 5 | 0.7% | 17.2% |
| 24 | USAA Federal Savings Bank 64 out of 100, Moderate | 5 | 0.7% | 37.2% |
| 25 | Gouverneur Savings and Loan Association 74 out of 100, Strong | 5 | 0.7% | 19.9% |
| 26 | TRIAD FINANCIAL SERVICES, INC. | 4 | 0.5% | — |
| 27 | Adirondack Bank | 4 | 0.5% | — |
| 28 | FREEDOM MORTGAGE CORPORATION | 4 | 0.5% | — |
| 29 | BETTER MORTGAGE CORPORATION | 4 | 0.5% | — |
| 30 | RELIANCE FIRST CAPITAL, LLC | 4 | 0.5% | — |
| 31 | FIRST SOURCE | 4 | 0.5% | — |
| 32 | Bank of America, National Association 59 out of 100, Moderate | 3 | 0.4% | 44.7% |
| 33 | NATIONSTAR MORTGAGE LLC | 3 | 0.4% | — |
| 34 | Genesee Regional Bank 72 out of 100, Strong | 3 | 0.4% | 5.7% |
| 35 | Loandepot.Com, LLC | 2 | 0.3% | — |
| 36 | UNITED SHORE FINANCIAL SERVICES, LLC | 2 | 0.3% | — |
| 37 | Discover Bank | 2 | 0.3% | — |
| 38 | PNC Bank, National Association 62 out of 100, Moderate | 2 | 0.3% | 33.8% |
| 39 | U.S. Bank National Association 55 out of 100, Moderate | 2 | 0.3% | 39.5% |
| 40 | Loan Funder LLC | 2 | 0.3% | — |
Top 40 of 81 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