Home purchase lenders in Cortland County
334 home purchase mortgages were made in Cortland County, New York, in 2025, by 77 lenders. The median rate their borrowers got was 6.625% on a median loan of $165,000. Of 394 decisions, 50 were denials — 12.7%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| EVERETT FINANCIAL, INC. | 50 | 6.625% | $165,000 | 3.9% |
| Tompkins Community Bank | 50 | 6.625% | $175,000 | 7.4% |
| CFCU COMMUNITY Credit Union | 39 | 6.125% | $155,000 | 0.0% |
| NBT Bank, National Association | 21 | 6.250% | $135,000 | 8.0% |
| Rocket Mortgage, LLC | 16 | 6.750% | $155,000 | 30.4% |
| Community Bank, National Association | 12 | 7.000% | $170,000 | 0.0% |
| Manufacturers and Traders Trust Company | 10 | 6.750% | $155,000 | 8.3% |
| The First National Bank of Dryden | 10 | Not published | $180,000 | 8.3% |
| 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 | 0.0% |
| Geddes Federal Savings and Loan Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST PRIORITY MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICU Credit Union | 5 | Under 10 loans | Under 10 loans | 44.4% |
| USAA Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Empower Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 50.0% |
| 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% |
| Tioga State Bank, N. A. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| The First National Bank of Groton | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Farm Credit East, ACA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Solvay Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIUM MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| THE SUMMIT Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sidney Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 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% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Visions Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Broadview Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 75.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Wells Fargo 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% |
| NEWREZ LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cayuga Lake National 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% |
| Loandepot.Com, LLC | 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% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 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% |
| Wayne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| 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 |
| Loan Funder LLC | 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% |
| HUDSON VALLEY CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| 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% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| PENNYMAC LOAN SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| The Lyons National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ARC HOME LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| NATIONSTAR MORTGAGE 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 |
| 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.
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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.