New York · HMDA 2025
Mortgage lenders in Madison County, NY
130 lenders reported 2,042 home-loan applications in Madison County in 2025. 1,246 closed as loans ($230.7M), 330 were denied — a 20.3% denial rate on decided applications, below the New York rate of 23.9%. The three most active lenders handled 28% of applications, led by AMERICU Credit Union. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,042
- Loans originated
- 1,246
- Purchase / refinance
- 577 / 276
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Madison County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | AMERICU Credit Union 48 out of 100, Below average | 256 | 12.5% | 28.4% |
| 2 | NBT Bank, National Association 64 out of 100, Moderate | 162 | 7.9% | 23.4% |
| 3 | Empower Federal Credit Union 59 out of 100, Moderate | 161 | 7.9% | 17.2% |
| 4 | Community Bank, National Association 62 out of 100, Moderate | 141 | 6.9% | 18.9% |
| 5 | Rocket Mortgage, LLC | 115 | 5.6% | — |
| 6 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 72 | 3.5% | 32.9% |
| 7 | Citizens Bank, National Association 54 out of 100, Below average | 71 | 3.5% | 32.5% |
| 8 | PENNYMAC LOAN SERVICES, LLC | 62 | 3.0% | — |
| 9 | NEWREZ LLC | 56 | 2.7% | — |
| 10 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 52 | 2.5% | 14.1% |
| 11 | 21st Mortgage Corporation | 40 | 2.0% | — |
| 12 | G.P.O. Federal Credit Union 79 out of 100, Strong | 39 | 1.9% | 40.4% |
| 13 | HUNT MORTGAGE CORPORATION | 38 | 1.9% | — |
| 14 | Geddes Federal Savings and Loan Association 74 out of 100, Strong | 38 | 1.9% | 7.1% |
| 15 | FIRST SOURCE | 34 | 1.7% | — |
| 16 | MOVEMENT MORTGAGE, LLC | 27 | 1.3% | — |
| 17 | EVERETT FINANCIAL, INC. | 27 | 1.3% | — |
| 18 | Mortgage Research Center, LLC | 25 | 1.2% | — |
| 19 | Sidney Federal Credit Union 67 out of 100, Moderate | 25 | 1.2% | 13.9% |
| 20 | Bank of America, National Association 59 out of 100, Moderate | 24 | 1.2% | 44.7% |
| 21 | Genesee Regional Bank 72 out of 100, Strong | 24 | 1.2% | 5.7% |
| 22 | SEFCU SERVICES, LLC | 23 | 1.1% | — |
| 23 | KeyBank National Association 63 out of 100, Moderate | 22 | 1.1% | 32.8% |
| 24 | Broadview Federal Credit Union 59 out of 100, Moderate | 20 | 1.0% | 29.9% |
| 25 | NATIONSTAR MORTGAGE LLC | 19 | 0.9% | — |
| 26 | HOMESTEAD FUNDING CORP. | 18 | 0.9% | — |
| 27 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 17 | 0.8% | — |
| 28 | NORTHERN CREDIT UNION | 17 | 0.8% | — |
| 29 | Loandepot.Com, LLC | 16 | 0.8% | — |
| 30 | CROSSCOUNTRY MORTGAGE, INC. | 16 | 0.8% | — |
| 31 | PREMIUM MORTGAGE CORPORATION | 16 | 0.8% | — |
| 32 | PLAZA HOME MORTGAGE, INC. | 16 | 0.8% | — |
| 33 | Navy Federal Credit Union 66 out of 100, Moderate | 15 | 0.7% | 32.9% |
| 34 | Discover Bank | 14 | 0.7% | — |
| 35 | Seneca Savings 51 out of 100, Below average | 14 | 0.7% | 13.7% |
| 36 | Farm Credit East, ACA | 14 | 0.7% | — |
| 37 | UNITED SHORE FINANCIAL SERVICES, LLC | 12 | 0.6% | — |
| 38 | USAA Federal Savings Bank 64 out of 100, Moderate | 11 | 0.5% | 37.2% |
| 39 | CFCU COMMUNITY Credit Union | 10 | 0.5% | — |
| 40 | LENDINGONE, LLC | 9 | 0.4% | — |
Top 40 of 130 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