New York · HMDA 2025
Mortgage lenders in Steuben County, NY
133 lenders reported 2,731 home-loan applications in Steuben County in 2025. 1,685 closed as loans ($240.4M), 415 were denied — a 18.8% denial rate on decided applications, below the New York rate of 23.9%. The three most active lenders handled 40% of applications, led by CORNING CREDIT UNION. 18 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,731
- Loans originated
- 1,685
- Purchase / refinance
- 790 / 320
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Steuben County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | CORNING CREDIT UNION | 517 | 18.9% | — |
| 2 | SERVU FEDERAL CREDIT UNION 86 out of 100, Very strong | 361 | 13.2% | 12.8% |
| 3 | FIRST HERITAGE FEDERAL CREDIT UNION 72 out of 100, Strong | 209 | 7.7% | 24.0% |
| 4 | Community Bank, National Association 62 out of 100, Moderate | 177 | 6.5% | 18.9% |
| 5 | Rocket Mortgage, LLC | 156 | 5.7% | — |
| 6 | MOVEMENT MORTGAGE, LLC | 81 | 3.0% | — |
| 7 | PENNYMAC LOAN SERVICES, LLC | 81 | 3.0% | — |
| 8 | EVERETT FINANCIAL, INC. | 56 | 2.1% | — |
| 9 | 21st Mortgage Corporation | 43 | 1.6% | — |
| 10 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 43 | 1.6% | 14.1% |
| 11 | ESL Federal Credit Union 90 out of 100, Very strong | 42 | 1.5% | 19.4% |
| 12 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 40 | 1.5% | 32.9% |
| 13 | PREMIUM MORTGAGE CORPORATION | 39 | 1.4% | — |
| 14 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 39 | 1.4% | — |
| 15 | CITIZENS & NORTHERN BANK 53 out of 100, Below average | 38 | 1.4% | 12.5% |
| 16 | 1ST PRIORITY MORTGAGE, INC. | 37 | 1.4% | — |
| 17 | The Lyons National Bank 63 out of 100, Moderate | 36 | 1.3% | 7.6% |
| 18 | Five Star Bank 66 out of 100, Moderate | 35 | 1.3% | 12.7% |
| 19 | Mortgage Research Center, LLC | 31 | 1.1% | — |
| 20 | The Canandaigua National Bank and Trust Company 60 out of 100, Moderate | 29 | 1.1% | 13.4% |
| 21 | Navy Federal Credit Union 66 out of 100, Moderate | 28 | 1.0% | 32.9% |
| 22 | Citizens Bank, National Association 54 out of 100, Below average | 28 | 1.0% | 32.5% |
| 23 | HOME TOWN FUNDING, INC. | 28 | 1.0% | — |
| 24 | Genesee Regional Bank 72 out of 100, Strong | 27 | 1.0% | 5.7% |
| 25 | Visions Federal Credit Union 64 out of 100, Moderate | 25 | 0.9% | 32.6% |
| 26 | NEWREZ LLC | 23 | 0.8% | — |
| 27 | Farm Credit East, ACA | 23 | 0.8% | — |
| 28 | Discover Bank | 22 | 0.8% | — |
| 29 | NATIONSTAR MORTGAGE LLC | 21 | 0.8% | — |
| 30 | Loandepot.Com, LLC | 18 | 0.7% | — |
| 31 | FREEDOM MORTGAGE CORPORATION | 15 | 0.5% | — |
| 32 | PLANET HOME LENDING, LLC | 14 | 0.5% | — |
| 33 | Bank of America, National Association 59 out of 100, Moderate | 13 | 0.5% | 44.7% |
| 34 | Chemung Canal Trust Company 72 out of 100, Strong | 13 | 0.5% | 15.1% |
| 35 | CROSSCOUNTRY MORTGAGE, INC. | 12 | 0.4% | — |
| 36 | AMERICAN FINANCIAL NETWORK, INC. | 12 | 0.4% | — |
| 37 | Wayne Bank 53 out of 100, Below average | 12 | 0.4% | 25.8% |
| 38 | Tompkins Community Bank 60 out of 100, Moderate | 11 | 0.4% | 19.9% |
| 39 | UNITED SHORE FINANCIAL SERVICES, LLC | 10 | 0.4% | — |
| 40 | GUARANTEED RATE, INC. | 10 | 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