Mortgage lenders in Delaware County
639 mortgages were made in Delaware County, New York, in 2025, by 146 lenders. The median rate their borrowers got was 6.625% on a median loan of $155,000. Of 952 decisions, 286 were denials — 30.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Sidney Federal Credit Union | 107 | 6.500% | $75,000 | 20.1% |
| Community Bank, National Association | 63 | 7.250% | $125,000 | 17.1% |
| Wayne Bank | 59 | Not published | $105,000 | 37.5% |
| Rocket Mortgage, LLC | 59 | 6.875% | $165,000 | 37.0% |
| NBT Bank, National Association | 55 | 5.000% | $115,000 | 24.3% |
| HOMESTEAD FUNDING CORP. | 29 | 6.490% | $205,000 | 3.3% |
| Ulster Savings Bank | 18 | 6.125% | $280,000 | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 14 | 6.750% | $235,000 | 22.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 12 | 7.200% | $340,000 | 14.3% |
| NEWREZ LLC | 10 | 6.870% | $185,000 | 44.4% |
| JPMorgan Chase Bank, National Association | 10 | 6.995% | $225,000 | 33.3% |
| Bank of America, National Association | 10 | 6.250% | $255,000 | 37.5% |
| Citizens Bank, National Association | 10 | 8.400% | $105,000 | 47.4% |
| Manufacturers and Traders Trust Company | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Broker Solutions, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Mortgage Research Center, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HUDSON VALLEY CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Navy Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Broadview Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Farm Credit East, ACA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST PRIORITY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 79.0% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 57.1% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 42.9% |
| MID-HUDSON VALLEY Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Visions Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PREMIUM MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICU Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Loandepot.Com, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| SEFCU SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CONTOUR MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Genesee Regional Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Walden Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 2 | Under 10 loans | Under 10 loans | 62.5% |
| Jeff Bank | 2 | Under 10 loans | Under 10 loans | 71.4% |
| U.S. Bank National Association | 2 | Under 10 loans | Under 10 loans | 60.0% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| PENNYMAC LOAN SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST NEW YORK | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Rondout Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| THE LOAN STORE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wallkill Valley Federal Savings and Loan Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 83.3% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 83.3% |
| GUARANTEED RATE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Municipal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SUNMARK CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Valley National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLIFFCO, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUFFOLK | 1 | Under 10 loans | Under 10 loans | 50.0% |
| POLISH & SLAVIC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Nassau Educators Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FM Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Broadcast Employees Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEG Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pathfinder Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tioga State Bank, N. A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Honesdale National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ally Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Rhinebeck Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sawyer Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GHS Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kearny Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ballston Spa National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEACHERS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Richmondville | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CHAMPIONS FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| RELIANT HOME FUNDING, INC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Logan Finance Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First National Bank of America | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MID-ISLAND MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FINANCE OF AMERICA REVERSE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Empower Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First National Bank of Pennsylvania | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Quontic Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Reliable Holdings Manager dba Lendz Financial | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| Advisors Mortgage Group, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| Tompkins Community Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| FIGURE LENDING LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| BMO Bank National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| OceanFirst Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AFFINITY | 0 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHERN CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| ARK MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Bank of Greene County | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Evolve Bank & Trust | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| LONGBRIDGE FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Security Bank and Trust Company | 0 | Under 10 loans | Under 10 loans | Not published |
| Blaze Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| SUN WEST MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Emporium TPO LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| The Lyons National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| ARC HOME LLC | 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 Delaware County
17 FDIC-insured branches from 4 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Wayne Bank | 5 | $397.2 million |
| NBT Bank, National Association | 5 | $346.9 million |
| The Delaware National Bank of Delhi | 4 | $348.6 million |
| Community Bank, National Association | 3 | $141.2 million |
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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.