Mortgage lenders in Cayuga County
1,226 mortgages were made in Cayuga County, New York, in 2025, by 140 lenders. The median rate their borrowers got was 6.625% on a median loan of $125,000. Of 1,630 decisions, 356 were denials — 21.8%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| The Lyons National Bank | 151 | 6.625% | $155,000 | 8.5% |
| Empower Federal Credit Union | 145 | 7.250% | $85,000 | 14.9% |
| AMERICU Credit Union | 106 | 6.125% | $75,000 | 30.3% |
| Rocket Mortgage, LLC | 61 | 6.990% | $135,000 | 28.1% |
| AUBURN COMMUNITY FEDERAL CREDIT UNION | 61 | 6.240% | $45,000 | 15.3% |
| Manufacturers and Traders Trust Company | 56 | 5.990% | $105,000 | 36.3% |
| Tompkins Community Bank | 48 | 6.375% | $150,000 | 14.3% |
| KeyBank National Association | 47 | 6.500% | $145,000 | 20.3% |
| Cayuga Lake National Bank | 47 | Not published | $75,000 | 7.8% |
| Community Bank, National Association | 44 | 6.995% | $105,000 | 10.2% |
| Genesee Regional Bank | 36 | 6.688% | $180,000 | 4.2% |
| The First National Bank of Groton | 26 | Not published | $115,000 | 0.0% |
| Chemung Canal Trust Company | 16 | 6.375% | $185,000 | 29.2% |
| MOVEMENT MORTGAGE, LLC | 15 | 6.750% | $165,000 | 10.5% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 15 | 6.625% | $205,000 | 10.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 13 | 6.124% | $155,000 | 23.5% |
| PREMIUM MORTGAGE CORPORATION | 13 | 6.500% | $215,000 | 7.1% |
| EVERETT FINANCIAL, INC. | 13 | 6.625% | $165,000 | 0.0% |
| Savannah Bank National Association | 12 | Not published | $65,000 | 25.0% |
| Geddes Federal Savings and Loan Association | 12 | 6.500% | $230,000 | 7.7% |
| NBT Bank, National Association | 11 | 6.140% | $265,000 | 7.7% |
| CFCU COMMUNITY Credit Union | 11 | 6.125% | $55,000 | 7.7% |
| Sidney Federal Credit Union | 10 | 6.125% | $145,000 | 8.3% |
| JPMorgan Chase Bank, National Association | 9 | Under 10 loans | Under 10 loans | 18.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 8 | Under 10 loans | Under 10 loans | 43.8% |
| Loandepot.Com, LLC | 8 | Under 10 loans | Under 10 loans | 42.9% |
| Farm Credit East, ACA | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Visions Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 65.2% |
| HOMESTEAD FUNDING CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 6 | Under 10 loans | Under 10 loans | 57.1% |
| PENNYMAC LOAN SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Five Star Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Solvay Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Fulton Savings Bank | 6 | Under 10 loans | Under 10 loans | 12.5% |
| RELIANT COMMUNITY FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Mortgage Research Center, LLC | 5 | Under 10 loans | Under 10 loans | 54.6% |
| THE SUMMIT Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 37.5% |
| PLAZA HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 37.5% |
| RELIANCE FIRST CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 4 | Under 10 loans | Under 10 loans | 69.2% |
| Navy Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Broadview Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 42.9% |
| NATIONSTAR MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| SECNY Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Pathfinder Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 3 | Under 10 loans | Under 10 loans | 42.9% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 57.1% |
| ESL Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Loan Funder LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOME TOWN FUNDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SEFCU SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HUNT MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Alternatives Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOGETHER CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST PRIORITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 75.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| GUARANTEED RATE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIGURE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Dryden | 2 | Under 10 loans | Under 10 loans | 0.0% |
| G.P.O. Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMPASS FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 87.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FREEDOM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TAMMAC HOLDINGS CORPORATION | 1 | Under 10 loans | Under 10 loans | 33.3% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Seneca Savings | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Oswego County Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINGER LAKES FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHERN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENERAL ELECTRIC EMPLOYEES FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SYRACUSE FIRE DEPARTMENT EMPLOYEES | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Brookline Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wayne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELTA COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Utica Gas & Electric Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valley National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 0 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TD Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Advantage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Tioga State Bank, N. A. | 0 | Under 10 loans | Under 10 loans | Not published |
| The Dart Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Broker Solutions, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Evans Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FIRST HERITAGE FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Fairway Independent Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Ballston Spa National Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, 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 |
| Webster Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Churchill Funding I LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Charles Schwab Bank, SSB | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 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 |
| DEEPHAVEN MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 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 Cayuga County
18 FDIC-insured branches from 10 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| KeyBank National Association | 3 | $369.1 million |
| Savannah Bank National Association | 3 | $100.2 million |
| Cayuga Lake National Bank | 2 | $213.9 million |
| Chemung Canal Trust Company | 2 | $121.2 million |
| The Lyons National Bank | 2 | $111.5 million |
| Community Bank, National Association | 2 | $87.1 million |
| Five Star Bank | 1 | $243.8 million |
| Tompkins Community Bank | 1 | $164.7 million |
| Manufacturers and Traders Trust Company | 1 | $95.7 million |
| The First National Bank of Groton | 1 | $58.5 million |
Closed since the 2025 survey
3 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Generations Bank, 10 Osborne St, Auburn
- Generations Bank, 152 Cayuga Street, Union Springs
- Generations Bank, 621 N Seward Ave, # 631, Auburn
Get told when this changes
When the next year’s lending figures are out for Cayuga 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.