Mortgage lenders in Broome County
2,919 mortgages were made in Broome County, New York, in 2025, by 196 lenders. The median rate their borrowers got was 6.750% on a median loan of $125,000. Of 4,008 decisions, 959 were denials — 23.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Visions Federal Credit Union | 526 | 7.250% | $75,000 | 28.8% |
| HOMESTEAD FUNDING CORP. | 281 | 6.490% | $185,000 | 1.1% |
| Rocket Mortgage, LLC | 197 | 6.875% | $145,000 | 25.5% |
| Manufacturers and Traders Trust Company | 194 | 5.990% | $105,000 | 32.2% |
| Empower Federal Credit Union | 144 | 7.250% | $85,000 | 20.0% |
| Broadview Federal Credit Union | 123 | 6.250% | $65,000 | 33.3% |
| NBT Bank, National Association | 108 | 5.740% | $105,000 | 22.1% |
| Tioga State Bank, N. A. | 88 | Not published | $145,000 | 11.9% |
| 1ST PRIORITY MORTGAGE, INC. | 86 | 6.500% | $165,000 | 5.5% |
| Community Bank, National Association | 84 | 7.240% | $165,000 | 8.7% |
| Citizens Bank, National Association | 78 | 8.900% | $65,000 | 45.2% |
| EVERETT FINANCIAL, INC. | 60 | 6.625% | $165,000 | 11.6% |
| Tompkins Community Bank | 56 | 6.500% | $160,000 | 3.5% |
| Sidney Federal Credit Union | 50 | 6.625% | $160,000 | 16.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 40 | 6.625% | $155,000 | 24.1% |
| JPMorgan Chase Bank, National Association | 36 | 6.495% | $190,000 | 15.9% |
| SEFCU SERVICES, LLC | 35 | 6.375% | $175,000 | 2.7% |
| GHS Federal Credit Union | 34 | 6.125% | $65,000 | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 30 | 6.625% | $175,000 | 11.8% |
| Loandepot.Com, LLC | 26 | 6.990% | $100,000 | 31.6% |
| KeyBank National Association | 22 | 6.375% | $110,000 | 29.0% |
| PREMIUM MORTGAGE CORPORATION | 22 | 6.688% | $180,000 | 4.2% |
| Navy Federal Credit Union | 20 | 6.125% | $190,000 | 37.5% |
| CHAMPIONS FUNDING, LLC | 20 | 7.563% | $190,000 | 25.9% |
| Mortgage Research Center, LLC | 20 | 6.375% | $230,000 | 13.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 18 | 6.658% | $175,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 17 | 6.250% | $155,000 | 26.1% |
| A&D Mortgage LLC | 17 | 7.250% | $125,000 | 10.5% |
| NEWREZ LLC | 16 | 6.813% | $165,000 | 56.4% |
| Hometown Equity Mortgage, LLC | 16 | 7.750% | $180,000 | 23.8% |
| Wayne Bank | 15 | Not published | $115,000 | 21.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 14 | 6.499% | $145,000 | 37.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 14 | 6.750% | $175,000 | 12.5% |
| Peoples Security Bank and Trust Company | 13 | 1.990% | $95,000 | 23.5% |
| Kiavi Funding, Inc. | 13 | 7.875% | $145,000 | 7.1% |
| Bank of America, National Association | 12 | 6.183% | $145,000 | 52.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 11 | 9.240% | $275,000 | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 11 | 8.750% | $155,000 | 26.7% |
| GUIDANCE RESIDENTIAL, LLC | 11 | 7.000% | $185,000 | 0.0% |
| Wells Fargo Bank, National Association | 10 | 6.125% | $130,000 | 41.2% |
| Chemung Canal Trust Company | 10 | 6.625% | $205,000 | 7.7% |
| Loan Funder LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| FREEDOM MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 18.2% |
| UNITED MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| PLAZA HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 43.8% |
| TD Bank, National Association | 7 | Under 10 loans | Under 10 loans | 36.4% |
| NATIONSTAR MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| RELIANCE FIRST CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Discover Bank | 6 | Under 10 loans | Under 10 loans | 81.1% |
| USAA Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 33.3% |
| FOUNDATION MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 15.4% |
| Citibank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AMERICAN HERITAGE LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 10.0% |
| BPL MORTGAGE TRUST, LLC | 6 | Under 10 loans | Under 10 loans | 20.0% |
| CFCU COMMUNITY Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MOVEMENT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 10.0% |
| TAMMAC HOLDINGS CORPORATION | 5 | Under 10 loans | Under 10 loans | 23.1% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 14.3% |
| CITIZENS & NORTHERN BANK | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 66.7% |
| Broker Solutions, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CONTOUR MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FIGURE LENDING LLC | 4 | Under 10 loans | Under 10 loans | 12.5% |
| CORNING CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 80.0% |
| AMERICU Credit Union | 3 | Under 10 loans | Under 10 loans | 75.0% |
| GUARANTEED RATE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Five Star Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Third Federal Savings and Loan Association of Cleveland | 3 | Under 10 loans | Under 10 loans | 40.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Quontic Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CLIFFCO, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ponce Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 25.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit East, ACA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 80.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LIMA ONE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 71.4% |
| Ixonia Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 71.4% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 16.7% |
| DIGITAL | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ESL Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HUDSON VALLEY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The First National Bank of Groton | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SERVU FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hanmi Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 80.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Archwest Funding | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genesee Regional Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT HOME FUNDING, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pathfinder Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Fidelity Deposit and Discount Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Freedom Bank of Virginia | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHERN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ulster Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WILLIAM RAVEIS MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STANFORD Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LYNX MORTGAGE BANK LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOME TOWN FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BOND STREET MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MID-ISLAND MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ballston Spa National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JET DIRECT FUNDING CORP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HARTFORD FUNDING, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Walden Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OWNERSCHOICE FUNDING, INCORPORATED | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ingersoll-Rand Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valley National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | 33.3% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 57.1% |
| DOMINION FINANCIAL SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Municipal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| THE LOAN STORE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| US MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TEACHERS FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| Luminate Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Island Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| BMO Bank National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| SUNMARK CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AFFINITY | 0 | Under 10 loans | Under 10 loans | Not published |
| MORTGAGE ACCESS CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| UBS Bank USA | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST HERITAGE FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| Wings Financial Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| EAST COAST CAPITAL CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| Farmers Bank & Trust | 0 | Under 10 loans | Under 10 loans | Not published |
| QUORUM FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Nassau Educators Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| DELTA COMMUNITY CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| CONVENTUS LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Churchill Funding I LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LUXURY MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Stride Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| The Canandaigua National Bank and Trust Company | 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 Broome County
36 FDIC-insured branches from 9 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Manufacturers and Traders Trust Company | 11 | $1.7 billion |
| NBT Bank, National Association | 8 | $649.5 million |
| Tioga State Bank National Association | 5 | $222.4 million |
| KeyBank National Association | 3 | $343.8 million |
| Citizens Bank, National Association | 3 | $244.8 million |
| Chemung Canal Trust Company | 2 | $124.2 million |
| Peoples Security Bank and Trust Company | 2 | $103.4 million |
| JPMorgan Chase Bank, National Association | 1 | $82.9 million |
| Community Bank, National Association | 1 | $25.8 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- KeyBank National Association, 200 Oakdale Mall, Johnson City
Get told when this changes
When the next year’s lending figures are out for Broome 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.