Mortgage lenders in Madison County
1,246 mortgages were made in Madison County, New York, in 2025, by 130 lenders. The median rate their borrowers got was 6.625% on a median loan of $145,000. Of 1,623 decisions, 330 were denials — 20.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| AMERICU Credit Union | 179 | 6.240% | $105,000 | 22.8% |
| Empower Federal Credit Union | 128 | 7.250% | $75,000 | 12.8% |
| NBT Bank, National Association | 114 | 4.990% | $105,000 | 18.3% |
| Community Bank, National Association | 106 | 6.990% | $115,000 | 13.8% |
| Rocket Mortgage, LLC | 75 | 7.125% | $135,000 | 25.5% |
| Manufacturers and Traders Trust Company | 42 | 5.995% | $110,000 | 32.3% |
| Geddes Federal Savings and Loan Association | 30 | 6.125% | $215,000 | 8.8% |
| Citizens Bank, National Association | 28 | 8.275% | $125,000 | 34.1% |
| HUNT MORTGAGE CORPORATION | 26 | 6.688% | $195,000 | 6.7% |
| FIRST SOURCE | 26 | 6.620% | $55,000 | 18.8% |
| EVERETT FINANCIAL, INC. | 24 | 6.625% | $225,000 | 0.0% |
| SEFCU SERVICES, LLC | 23 | 6.000% | $275,000 | 0.0% |
| Sidney Federal Credit Union | 20 | 6.000% | $175,000 | 12.5% |
| G.P.O. Federal Credit Union | 19 | 3.990% | $75,000 | 48.7% |
| Mortgage Research Center, LLC | 19 | 6.625% | $305,000 | 9.5% |
| Genesee Regional Bank | 18 | 6.813% | $245,000 | 4.6% |
| KeyBank National Association | 18 | 6.563% | $150,000 | 18.2% |
| HOMESTEAD FUNDING CORP. | 17 | 6.625% | $195,000 | 5.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 14 | 6.750% | $195,000 | 0.0% |
| NORTHERN CREDIT UNION | 14 | 6.625% | $175,000 | 12.5% |
| PREMIUM MORTGAGE CORPORATION | 14 | 6.600% | $265,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 13 | 6.625% | $205,000 | 8.3% |
| Broadview Federal Credit Union | 13 | 6.250% | $65,000 | 31.6% |
| Loandepot.Com, LLC | 13 | 6.750% | $105,000 | 18.8% |
| Farm Credit East, ACA | 13 | 7.250% | $275,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 11 | 6.250% | $245,000 | 15.4% |
| PLAZA HOME MORTGAGE, INC. | 11 | 6.500% | $215,000 | 26.7% |
| NEWREZ LLC | 10 | 6.808% | $130,000 | 37.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 10 | 6.557% | $175,000 | 9.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Seneca Savings | 8 | Under 10 loans | Under 10 loans | 18.2% |
| USAA Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 27.3% |
| ROYAL UNITED MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| 21st Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 65.2% |
| JPMorgan Chase Bank, National Association | 7 | Under 10 loans | Under 10 loans | 27.3% |
| CFCU COMMUNITY Credit Union | 7 | Under 10 loans | Under 10 loans | 20.0% |
| RELIANCE FIRST CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Utica Gas & Electric Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 6 | Under 10 loans | Under 10 loans | 60.0% |
| Navy Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 45.5% |
| Pathfinder Bank | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Tompkins Community Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Fulton Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Solvay Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Visions Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 50.0% |
| THE SUMMIT Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Adirondack Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST PRIORITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SYRACUSE FIRE DEPARTMENT EMPLOYEES | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| SECNY Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 60.0% |
| FREEDOM MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HUDSON VALLEY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Berkshire Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 87.5% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MID-ISLAND MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ACMG Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT HOME FUNDING, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Lyons National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIGURE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUNMARK CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Unity Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Elements Financial Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wayne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Colorado Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TAMMAC HOLDINGS CORPORATION | 0 | Under 10 loans | Under 10 loans | 66.7% |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Click n' Close, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| SERVU FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERITRUST MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| CMG MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| ESL Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LONGBRIDGE FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| JET DIRECT FUNDING CORP | 0 | Under 10 loans | Under 10 loans | Not published |
| Truliant Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 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% |
| Logan Finance Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of Pennsylvania | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 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 Madison County
18 FDIC-insured branches from 6 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Community Bank, National Association | 6 | $478.1 million |
| NBT Bank, National Association | 6 | $475.4 million |
| KeyBank National Association | 2 | $97.4 million |
| Manufacturers and Traders Trust Company | 2 | $69.9 million |
| JPMorgan Chase Bank, National Association | 1 | $80.7 million |
| Seneca Savings Bank, National Association | 1 | $32.6 million |
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When the next year’s lending figures are out for Madison 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.