Mortgage lenders in Steuben County
1,685 mortgages were made in Steuben County, New York, in 2025, by 133 lenders. The median rate their borrowers got was 6.500% on a median loan of $105,000. Of 2,211 decisions, 415 were denials — 18.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| CORNING CREDIT UNION | 374 | 6.140% | $80,000 | 9.5% |
| SERVU FEDERAL CREDIT UNION | 292 | Not published | $65,000 | 10.6% |
| FIRST HERITAGE FEDERAL CREDIT UNION | 133 | 6.375% | $95,000 | 27.4% |
| Community Bank, National Association | 122 | 7.125% | $85,000 | 17.8% |
| Rocket Mortgage, LLC | 87 | 6.625% | $145,000 | 33.6% |
| MOVEMENT MORTGAGE, LLC | 61 | 6.625% | $165,000 | 6.6% |
| EVERETT FINANCIAL, INC. | 50 | 6.625% | $155,000 | 3.9% |
| 1ST PRIORITY MORTGAGE, INC. | 30 | 6.813% | $145,000 | 6.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 29 | 6.750% | $145,000 | 3.0% |
| The Lyons National Bank | 29 | 6.500% | $285,000 | 9.4% |
| PREMIUM MORTGAGE CORPORATION | 28 | 6.625% | $155,000 | 11.4% |
| CITIZENS & NORTHERN BANK | 28 | 7.250% | $140,000 | 12.1% |
| ESL Federal Credit Union | 25 | 4.500% | $75,000 | 37.5% |
| HOME TOWN FUNDING, INC. | 23 | 7.075% | $195,000 | 7.4% |
| Five Star Bank | 19 | 7.250% | $85,000 | 19.2% |
| Genesee Regional Bank | 19 | 6.875% | $185,000 | 8.7% |
| Farm Credit East, ACA | 19 | 7.000% | $205,000 | 17.4% |
| Manufacturers and Traders Trust Company | 18 | 6.125% | $75,000 | 47.1% |
| Mortgage Research Center, LLC | 15 | 6.500% | $235,000 | 31.8% |
| Visions Federal Credit Union | 15 | 6.250% | $105,000 | 21.1% |
| Navy Federal Credit Union | 14 | 6.500% | $195,000 | 30.0% |
| Loandepot.Com, LLC | 12 | 6.990% | $75,000 | 20.0% |
| Chemung Canal Trust Company | 12 | 6.375% | $145,000 | 7.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 11 | 6.990% | $155,000 | 8.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Tompkins Community Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| NATIONSTAR MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Genesee Valley | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 18.2% |
| Citizens Bank, National Association | 8 | Under 10 loans | Under 10 loans | 42.9% |
| The Canandaigua National Bank and Trust Company | 8 | Under 10 loans | Under 10 loans | 11.1% |
| FREEDOM MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| 21st Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 76.0% |
| JPMorgan Chase Bank, National Association | 6 | Under 10 loans | Under 10 loans | 22.2% |
| Wayne Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| KeyBank National Association | 5 | Under 10 loans | Under 10 loans | 25.0% |
| Barrington Bank & Trust Company, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Empower Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Broker Solutions, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 81.3% |
| Broadview Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 66.7% |
| RELIANT COMMUNITY FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FAMILY FIRST OF NY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 66.7% |
| GUARANTEED RATE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Pittsford Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 90.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 44.4% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 83.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| CNB Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| THE SUMMIT Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBT Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sidney Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICU Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tioga State Bank, N. A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHERN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JUSTICE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLIFFCO, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POLISH & SLAVIC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PS Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| U.S. Bank National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TAMMAC HOLDINGS CORPORATION | 0 | Under 10 loans | Under 10 loans | 33.3% |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FIGURE LENDING LLC | 0 | Under 10 loans | Under 10 loans | 50.0% |
| CMG MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PNC Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| A&D Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Island Federal 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 |
| Alternatives Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Advantage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ARC HOME LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BPL MORTGAGE TRUST, LLC | 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% |
| Evans Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FINGER LAKES FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Five Star Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| First Citizens Community Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| DIGITAL | 0 | Under 10 loans | Under 10 loans | Not published |
| CONTOUR MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| LONGBRIDGE FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Ballston Spa National Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| SEFCU SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| DEEPHAVEN MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 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.
Bank branches in Steuben 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 | $484.1 million |
| Five Star Bank | 5 | $563.8 million |
| Maple City Savings Bank, FSB | 3 | $108.4 million |
| Chemung Canal Trust Company | 2 | $153.6 million |
| Citizens & Northern Bank | 1 | $80.6 million |
| Manufacturers and Traders Trust Company | 1 | $58.0 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- Community Bank, National Association, 3 Park Pl, Hammondsport
Get told when this changes
When the next year’s lending figures are out for Steuben 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.