Home purchase lenders in Madison County
577 home purchase mortgages were made in Madison County, New York, in 2025, by 102 lenders. The median rate their borrowers got was 6.625% on a median loan of $205,000. Of 678 decisions, 80 were denials — 11.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| AMERICU Credit Union | 60 | 6.183% | $190,000 | 13.0% |
| Community Bank, National Association | 46 | 6.813% | $190,000 | 8.0% |
| HUNT MORTGAGE CORPORATION | 26 | 6.688% | $195,000 | 6.7% |
| Empower Federal Credit Union | 26 | 6.500% | $170,000 | 3.7% |
| EVERETT FINANCIAL, INC. | 24 | 6.625% | $225,000 | 0.0% |
| Rocket Mortgage, LLC | 22 | 7.125% | $145,000 | 12.0% |
| SEFCU SERVICES, LLC | 22 | 6.063% | $275,000 | 0.0% |
| NBT Bank, National Association | 21 | 6.500% | $255,000 | 11.5% |
| Geddes Federal Savings and Loan Association | 20 | 5.875% | $275,000 | 4.6% |
| Mortgage Research Center, LLC | 19 | 6.625% | $305,000 | 0.0% |
| Manufacturers and Traders Trust Company | 17 | 6.500% | $195,000 | 29.2% |
| Genesee Regional Bank | 17 | 6.875% | $265,000 | 5.0% |
| HOMESTEAD FUNDING CORP. | 17 | 6.625% | $195,000 | 5.6% |
| Sidney Federal Credit Union | 15 | 6.000% | $225,000 | 0.0% |
| PREMIUM MORTGAGE CORPORATION | 14 | 6.600% | $265,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 13 | 6.625% | $205,000 | 10.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 12 | 6.625% | $195,000 | 0.0% |
| Farm Credit East, ACA | 11 | 7.250% | $275,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 10 | 6.438% | $230,000 | 28.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| 21st Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 66.7% |
| KeyBank National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| USAA Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| G.P.O. Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Seneca Savings | 6 | Under 10 loans | Under 10 loans | 14.3% |
| NORTHERN CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 28.6% |
| JPMorgan Chase Bank, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| NEWREZ LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Tompkins Community Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Pathfinder Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Solvay Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CFCU COMMUNITY Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Utica Gas & Electric Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Adirondack Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST PRIORITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Broadview Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fulton Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The Dart Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Berkshire Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST SOURCE | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TRIAD FINANCIAL SERVICES, INC. | 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% |
| MID-ISLAND MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE SUMMIT Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| U.S. 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% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HUDSON VALLEY CREDIT UNION | 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% |
| Unity Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 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% |
| ALLIANT CREDIT UNION | 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% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TAMMAC HOLDINGS CORPORATION | 0 | Under 10 loans | Under 10 loans | 66.7% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 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% |
| Visions Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| GUARANTEED RATE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| JET DIRECT FUNDING CORP | 0 | Under 10 loans | Under 10 loans | Not published |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN HERITAGE LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PNC Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Logan Finance Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| NATIONSTAR MORTGAGE LLC | 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 |
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.