Mortgage lenders in Chenango County
697 mortgages were made in Chenango County, New York, in 2025, by 115 lenders. The median rate their borrowers got was 6.575% on a median loan of $105,000. Of 1,006 decisions, 281 were denials — 27.9%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| NBT Bank, National Association | 134 | 5.625% | $85,000 | 20.8% |
| Sidney Federal Credit Union | 124 | 6.625% | $75,000 | 25.8% |
| Rocket Mortgage, LLC | 68 | 6.750% | $145,000 | 34.0% |
| Visions Federal Credit Union | 48 | 7.250% | $80,000 | 30.1% |
| Community Bank, National Association | 42 | 7.500% | $145,000 | 19.2% |
| GHS Federal Credit Union | 35 | 6.250% | $55,000 | 2.8% |
| 1ST PRIORITY MORTGAGE, INC. | 19 | 6.500% | $145,000 | 13.6% |
| Citizens Bank, National Association | 17 | 8.900% | $105,000 | 19.1% |
| HOMESTEAD FUNDING CORP. | 16 | 6.500% | $185,000 | 0.0% |
| Manufacturers and Traders Trust Company | 15 | 5.990% | $65,000 | 42.3% |
| Farm Credit East, ACA | 12 | 6.750% | $135,000 | 7.7% |
| PREMIUM MORTGAGE CORPORATION | 10 | 6.563% | $175,000 | 23.1% |
| Mortgage Research Center, LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| 21st Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 67.9% |
| AMERICU Credit Union | 7 | Under 10 loans | Under 10 loans | 50.0% |
| Navy Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Tioga State Bank, N. A. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Genesee Regional Bank | 6 | Under 10 loans | Under 10 loans | 12.5% |
| EVERETT FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| JPMorgan Chase Bank, National Association | 5 | Under 10 loans | Under 10 loans | 44.4% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 63.6% |
| Broadview Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 50.0% |
| NATIONSTAR MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Empower Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Loandepot.Com, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| KeyBank National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Tompkins Community Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SEFCU SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 66.7% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wayne Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| RELIANCE FIRST CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| SIRVA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ESL Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OWNERSCHOICE FUNDING, INCORPORATED | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 85.7% |
| NEWREZ LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 83.3% |
| CONTOUR MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIGURE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FOUNDATION MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE SUMMIT Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CFCU COMMUNITY Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, 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% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Lyons National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pathfinder Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOME TOWN FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FAMILY FIRST OF NY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWOOD CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SYRACUSE FIRE DEPARTMENT EMPLOYEES | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Berkshire Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST SOURCE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT MORTGAGE BANKERS INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HARTFORD FUNDING, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Webster Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 83.3% |
| GUARANTEED RATE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FREEDOM MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Kiavi Funding, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| MOVEMENT MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PNC Bank, National Association | 0 | Under 10 loans | Under 10 loans | 50.0% |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Nations Lending Corporation | 0 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SUNMARK CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Evergreen Bank Group | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BPL MORTGAGE TRUST, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HUDSON VALLEY CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 0 | Under 10 loans | Under 10 loans | 100.0% |
| EAST COAST CAPITAL CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| LONGBRIDGE FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| NORTH COUNTRY | 0 | Under 10 loans | Under 10 loans | Not published |
| ALLIANT CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TOTAL MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Chemung Canal Trust Company | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Geddes Federal Savings and Loan Association | 0 | Under 10 loans | Under 10 loans | Not published |
| PATRIOT ONE MORTGAGE BANKERS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| First PREMIER Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| USAA Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Northwest Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Fifth Third Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of America | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 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 |
| DEEPHAVEN MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 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.
Bank branches in Chenango County
11 FDIC-insured branches from 2 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| NBT Bank, National Association | 10 | $894.0 million |
| Community Bank, National Association | 1 | $25.0 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- NBT Bank, National Association, 1572 State Highway 26, South Otselic
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When the next year’s lending figures are out for Chenango County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.