Cayuga Lake National Bank
Cayuga Lake National Bank received 67 applications in 2025 and made 62 mortgages, in 4 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $75,000. Of 66 decisions, 4 were denials — 6.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900MRPE13A5ZB4T75 |
|---|---|
| Applications received | 67 |
| Mortgages made | 62 |
| Denied | 4 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 1 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Cayuga Lake National Bank, 3 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 13 | Not published | $155,000 | 0.0% |
| Refinancing | 15 | Not published | $75,000 | 16.7% |
| Cash-out refinancing | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 32 | Not published | $60,000 | 3.0% |
Where Cayuga Lake National Bank lends most
The 4 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cayuga County, NY | 47 | Not published | 7.8% |
| Tompkins County, NY | 11 | Not published | 0.0% |
| Cortland County, NY | 3 | Under 10 loans | 0.0% |
| Onondaga County, NY | 1 | Under 10 loans | 0.0% |
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When Cayuga Lake National Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.