Mortgage lenders in Cortland County
647 mortgages were made in Cortland County, New York, in 2025, by 103 lenders. The median rate their borrowers got was 6.500% on a median loan of $135,000. Of 885 decisions, 207 were denials — 23.4%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| NBT Bank, National Association | 71 | 4.990% | $75,000 | 24.8% |
| CFCU COMMUNITY Credit Union | 70 | 6.250% | $125,000 | 10.8% |
| Tompkins Community Bank | 67 | 6.500% | $155,000 | 20.0% |
| EVERETT FINANCIAL, INC. | 58 | 6.625% | $155,000 | 3.3% |
| Rocket Mortgage, LLC | 37 | 6.625% | $155,000 | 34.5% |
| The First National Bank of Dryden | 34 | Not published | $150,000 | 12.2% |
| AMERICU Credit Union | 31 | 6.125% | $115,000 | 39.2% |
| THE SUMMIT Federal Credit Union | 29 | 7.250% | $55,000 | 28.3% |
| Community Bank, National Association | 20 | 7.000% | $140,000 | 9.1% |
| Manufacturers and Traders Trust Company | 16 | 6.188% | $140,000 | 32.0% |
| Citizens Bank, National Association | 13 | 9.400% | $75,000 | 28.6% |
| KeyBank National Association | 13 | 6.500% | $135,000 | 23.5% |
| Empower Federal Credit Union | 13 | 7.000% | $75,000 | 0.0% |
| Visions Federal Credit Union | 11 | 7.250% | $115,000 | 35.3% |
| The First National Bank of Groton | 10 | Not published | $110,000 | 9.1% |
| Broadview Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 46.7% |
| Tioga State Bank, N. A. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Geddes Federal Savings and Loan Association | 8 | Under 10 loans | Under 10 loans | 11.1% |
| 21st Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 42.9% |
| Genesee Regional Bank | 7 | Under 10 loans | Under 10 loans | 18.2% |
| HOMESTEAD FUNDING CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| USAA Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| 1ST PRIORITY MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Farm Credit East, ACA | 5 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 4 | Under 10 loans | Under 10 loans | 42.9% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 3 | Under 10 loans | Under 10 loans | 50.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Solvay Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cayuga Lake National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sidney Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PREMIUM MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHERN CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SEFCU SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wayne Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 1 | Under 10 loans | Under 10 loans | 85.7% |
| PENNYMAC LOAN SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Wells Fargo Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS & NORTHERN BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HUNT MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Adirondack Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Citizens Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SYRACUSE FIRE DEPARTMENT EMPLOYEES | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Hometown Equity Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FREEDOM MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| PNC Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FIGURE LENDING LLC | 0 | Under 10 loans | Under 10 loans | 50.0% |
| HUDSON VALLEY CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| EMBRACE HOME LOANS, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| A&D Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Municipal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| State Department Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| CONTINENTAL MORTGAGE BANKERS, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| 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% |
| SERVU FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| UTILITIES EMPLOYEES CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GUARANTEED RATE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Chemung Canal Trust Company | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| The Lyons National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| ARC HOME LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 0 | Under 10 loans | Under 10 loans | Not published |
| DEEPHAVEN MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Fifth Third Bank, 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 Cortland County
11 FDIC-insured branches from 5 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| NBT Bank, National Association | 4 | $405.7 million |
| KeyBank National Association | 3 | $273.3 million |
| The First National Bank of Dryden | 2 | $83.4 million |
| Tompkins Community Bank | 1 | $96.0 million |
| Chemung Canal Trust Company | 1 | $21.8 million |
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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.