The First National Bank of Dryden
The First National Bank of Dryden received 73 applications in 2025 and made 61 mortgages, in 5 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $155,000. Of 73 decisions, 8 were denials — 11.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 2549005SKP81W00YW119 |
|---|---|
| Applications received | 73 |
| Mortgages made | 61 |
| Denied | 8 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: The First National Bank of Dryden, 3 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 25 | Not published | $205,000 | 6.9% |
| Refinancing | 20 | Not published | $155,000 | 16.7% |
| Other purposes | 16 | Not published | $75,000 | 10.0% |
Where The First National Bank of Dryden lends most
The 5 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cortland County, NY | 34 | Not published | 12.2% |
| Tompkins County, NY | 21 | Not published | 8.3% |
| Tioga County, NY | 3 | Under 10 loans | 20.0% |
| Cayuga County, NY | 2 | Under 10 loans | 0.0% |
| Onondaga County, NY | 1 | Under 10 loans | 0.0% |
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When The First National Bank of Dryden’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.