The First National Bank of Groton
The First National Bank of Groton received 76 applications in 2025 and made 68 mortgages, in 6 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $125,000. Of 75 decisions, 7 were denials — 9.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 2549009DWV1Z50JILS65 |
|---|---|
| Applications received | 76 |
| Mortgages made | 68 |
| Denied | 7 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 1 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: The First National Bank of Groton, 2 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 28 | Not published | $195,000 | 17.7% |
| Refinancing | 15 | Not published | $95,000 | 0.0% |
| Other purposes | 25 | Not published | $55,000 | 3.9% |
Where The First National Bank of Groton lends most
The 6 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Tompkins County, NY | 29 | Not published | 14.7% |
| Cayuga County, NY | 26 | Not published | 0.0% |
| Cortland County, NY | 10 | Not published | 9.1% |
| Broome County, NY | 2 | Under 10 loans | 0.0% |
| Seneca County, NY | 1 | Under 10 loans | 0.0% |
| Tioga County, NY | 0 | Under 10 loans | 100.0% |
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When The First National Bank of Groton’s figures are published for the next year, or restated.
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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.