Refinancing lenders in Cayuga County
112 refinancing mortgages were made in Cayuga County, New York, in 2025, by 53 lenders. The median rate their borrowers got was 6.375% on a median loan of $105,000. Of 156 decisions, 38 were denials — 24.4%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| AMERICU Credit Union | 15 | 5.990% | $85,000 | 37.5% |
| Cayuga Lake National Bank | 15 | Not published | $75,000 | 16.7% |
| The Lyons National Bank | 14 | 7.063% | $145,000 | 12.5% |
| Community Bank, National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Manufacturers and Traders Trust Company | 5 | Under 10 loans | Under 10 loans | 46.2% |
| Rocket Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 12.5% |
| KeyBank National Association | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Savannah Bank National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| The First National Bank of Groton | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NBT Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Empower Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Farm Credit East, ACA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Tompkins Community Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| THE SUMMIT Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PENNYMAC LOAN SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Five Star Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Alternatives Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SECNY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Broadview Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOME TOWN FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Geddes Federal Savings and Loan Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wayne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fulton Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Utica Gas & Electric Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Mortgage Research Center, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SEFCU SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| GUARANTEED RATE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| AUBURN COMMUNITY FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| Sidney Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Pathfinder Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| NEWREZ LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| VELOCITY COMMERCIAL CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CROSSCOUNTRY MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Chemung Canal Trust Company | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN HERITAGE LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Barrington Bank & Trust Company, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| The Canandaigua National Bank and Trust Company | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
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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.