New York · HMDA 2025
Mortgage lenders in St. Lawrence County, NY
119 lenders reported 1,627 home-loan applications in St. Lawrence County in 2025. 899 closed as loans ($125.9M), 317 were denied — a 25.0% denial rate on decided applications, above the New York rate of 23.9%. The three most active lenders handled 40% of applications, led by Community Bank, National Association. 18 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,627
- Loans originated
- 899
- Purchase / refinance
- 512 / 192
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in St. Lawrence County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Community Bank, National Association 62 out of 100, Moderate | 289 | 17.8% | 18.9% |
| 2 | Rocket Mortgage, LLC | 183 | 11.2% | — |
| 3 | NORTHERN CREDIT UNION | 176 | 10.8% | — |
| 4 | Gouverneur Savings and Loan Association 74 out of 100, Strong | 123 | 7.6% | 19.9% |
| 5 | MOVEMENT MORTGAGE, LLC | 84 | 5.2% | — |
| 6 | NBT Bank, National Association 64 out of 100, Moderate | 82 | 5.0% | 23.4% |
| 7 | AMERICU Credit Union 48 out of 100, Below average | 61 | 3.7% | 28.4% |
| 8 | PENNYMAC LOAN SERVICES, LLC | 49 | 3.0% | — |
| 9 | Mortgage Research Center, LLC | 37 | 2.3% | — |
| 10 | Navy Federal Credit Union 66 out of 100, Moderate | 36 | 2.2% | 32.9% |
| 11 | KeyBank National Association 63 out of 100, Moderate | 35 | 2.2% | 32.8% |
| 12 | Citizens Bank, National Association 54 out of 100, Below average | 27 | 1.7% | 32.5% |
| 13 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 24 | 1.5% | 14.1% |
| 14 | NEWREZ LLC | 23 | 1.4% | — |
| 15 | Farm Credit East, ACA | 19 | 1.2% | — |
| 16 | ROYAL UNITED MORTGAGE LLC | 15 | 0.9% | — |
| 17 | USAA Federal Savings Bank 64 out of 100, Moderate | 15 | 0.9% | 37.2% |
| 18 | CROSSCOUNTRY MORTGAGE, INC. | 14 | 0.9% | — |
| 19 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 14 | 0.9% | — |
| 20 | PLAZA HOME MORTGAGE, INC. | 14 | 0.9% | — |
| 21 | Bank of America, National Association 59 out of 100, Moderate | 13 | 0.8% | 44.7% |
| 22 | Carthage Savings and Loan, National Association 77 out of 100, Strong | 13 | 0.8% | 11.6% |
| 23 | FREEDOM MORTGAGE CORPORATION | 13 | 0.8% | — |
| 24 | Discover Bank | 11 | 0.7% | — |
| 25 | HOMESTEAD FUNDING CORP. | 11 | 0.7% | — |
| 26 | Genesee Regional Bank 72 out of 100, Strong | 11 | 0.7% | 5.7% |
| 27 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 11 | 0.7% | 32.9% |
| 28 | Loandepot.Com, LLC | 10 | 0.6% | — |
| 29 | NATIONSTAR MORTGAGE LLC | 9 | 0.6% | — |
| 30 | 21st Mortgage Corporation | 8 | 0.5% | — |
| 31 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 8 | 0.5% | 22.2% |
| 32 | UNITED SHORE FINANCIAL SERVICES, LLC | 8 | 0.5% | — |
| 33 | BETTER MORTGAGE CORPORATION | 8 | 0.5% | — |
| 34 | Barrington Bank & Trust Company, National Association 42 out of 100, Below average | 8 | 0.5% | 9.1% |
| 35 | TRIAD FINANCIAL SERVICES, INC. | 7 | 0.4% | — |
| 36 | Empower Federal Credit Union 59 out of 100, Moderate | 7 | 0.4% | 17.2% |
| 37 | GUARANTEED RATE, INC. | 6 | 0.4% | — |
| 38 | U.S. Bank National Association 55 out of 100, Moderate | 6 | 0.4% | 39.5% |
| 39 | FIGURE LENDING LLC | 6 | 0.4% | — |
| 40 | Broadview Federal Credit Union 59 out of 100, Moderate | 6 | 0.4% | 29.9% |
Top 40 of 119 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