New York · HMDA 2025
Mortgage lenders in Otsego County, NY
133 lenders reported 1,526 home-loan applications in Otsego County in 2025. 818 closed as loans ($141.4M), 277 were denied — a 24.4% denial rate on decided applications, close to the New York rate of 23.9%. The three most active lenders handled 36% of applications, led by Sidney Federal Credit Union. 18 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,526
- Loans originated
- 818
- Purchase / refinance
- 395 / 181
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Otsego County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Sidney Federal Credit Union 67 out of 100, Moderate | 230 | 15.1% | 13.9% |
| 2 | Community Bank, National Association 62 out of 100, Moderate | 162 | 10.6% | 18.9% |
| 3 | NBT Bank, National Association 64 out of 100, Moderate | 159 | 10.4% | 23.4% |
| 4 | Rocket Mortgage, LLC | 115 | 7.5% | — |
| 5 | Wayne Bank 53 out of 100, Below average | 82 | 5.4% | 25.8% |
| 6 | Citizens Bank, National Association 54 out of 100, Below average | 48 | 3.1% | 32.5% |
| 7 | NEWREZ LLC | 40 | 2.6% | — |
| 8 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 37 | 2.4% | 14.1% |
| 9 | 21st Mortgage Corporation | 32 | 2.1% | — |
| 10 | PENNYMAC LOAN SERVICES, LLC | 30 | 2.0% | — |
| 11 | HOMESTEAD FUNDING CORP. | 29 | 1.9% | — |
| 12 | Loandepot.Com, LLC | 24 | 1.6% | — |
| 13 | PREMIUM MORTGAGE CORPORATION | 24 | 1.6% | — |
| 14 | AMERICU Credit Union 48 out of 100, Below average | 23 | 1.5% | 28.4% |
| 15 | Visions Federal Credit Union 64 out of 100, Moderate | 23 | 1.5% | 32.6% |
| 16 | KeyBank National Association 63 out of 100, Moderate | 22 | 1.4% | 32.8% |
| 17 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 22 | 1.4% | 32.9% |
| 18 | PLAZA HOME MORTGAGE, INC. | 19 | 1.2% | — |
| 19 | UNITED SHORE FINANCIAL SERVICES, LLC | 16 | 1.0% | — |
| 20 | SEFCU SERVICES, LLC | 16 | 1.0% | — |
| 21 | 1ST PRIORITY MORTGAGE, INC. | 16 | 1.0% | — |
| 22 | Navy Federal Credit Union 66 out of 100, Moderate | 14 | 0.9% | 32.9% |
| 23 | Farm Credit East, ACA | 14 | 0.9% | — |
| 24 | Genesee Regional Bank 72 out of 100, Strong | 14 | 0.9% | 5.7% |
| 25 | CROSSCOUNTRY MORTGAGE, INC. | 12 | 0.8% | — |
| 26 | NATIONSTAR MORTGAGE LLC | 12 | 0.8% | — |
| 27 | Discover Bank | 11 | 0.7% | — |
| 28 | USAA Federal Savings Bank 64 out of 100, Moderate | 11 | 0.7% | 37.2% |
| 29 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 10 | 0.7% | 22.2% |
| 30 | GUARANTEED RATE, INC. | 10 | 0.7% | — |
| 31 | FIRST SOURCE | 9 | 0.6% | — |
| 32 | Mortgage Research Center, LLC | 8 | 0.5% | — |
| 33 | Broadview Federal Credit Union 59 out of 100, Moderate | 8 | 0.5% | 29.9% |
| 34 | U.S. Bank National Association 55 out of 100, Moderate | 7 | 0.5% | 39.5% |
| 35 | Bank of Richmondville 77 out of 100, Strong | 7 | 0.5% | 4.0% |
| 36 | RELIANCE FIRST CAPITAL, LLC | 7 | 0.5% | — |
| 37 | AMERICAN FINANCIAL NETWORK, INC. | 6 | 0.4% | — |
| 38 | G.P.O. Federal Credit Union 79 out of 100, Strong | 6 | 0.4% | 40.4% |
| 39 | FREEDOM MORTGAGE CORPORATION | 6 | 0.4% | — |
| 40 | CARRINGTON MORTGAGE SERVICES, LLC | 6 | 0.4% | — |
Top 40 of 133 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