Mortgage lenders in Jefferson County
1,984 mortgages were made in Jefferson County, New York, in 2025, by 137 lenders. The median rate their borrowers got was 6.500% on a median loan of $165,000. Of 2,634 decisions, 528 were denials — 20.1%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| NORTHERN CREDIT UNION | 339 | 6.375% | $75,000 | 19.3% |
| MOVEMENT MORTGAGE, LLC | 234 | 6.375% | $210,000 | 1.8% |
| AMERICU Credit Union | 170 | 6.250% | $105,000 | 29.8% |
| Community Bank, National Association | 158 | 7.000% | $95,000 | 17.3% |
| Watertown Savings Bank | 140 | 6.375% | $155,000 | 6.3% |
| Carthage Savings and Loan, National Association | 102 | Not published | $155,000 | 13.3% |
| Rocket Mortgage, LLC | 86 | 6.625% | $180,000 | 35.3% |
| Mortgage Research Center, LLC | 84 | 6.375% | $255,000 | 17.5% |
| Navy Federal Credit Union | 55 | 6.125% | $215,000 | 30.0% |
| Genesee Regional Bank | 53 | 6.625% | $215,000 | 6.5% |
| Gouverneur Savings and Loan Association | 48 | 6.750% | $155,000 | 20.0% |
| PLAZA HOME MORTGAGE, INC. | 38 | 6.433% | $220,000 | 19.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 37 | 6.500% | $215,000 | 7.5% |
| HOMESTEAD FUNDING CORP. | 36 | 6.250% | $220,000 | 2.7% |
| Loandepot.Com, LLC | 30 | 6.370% | $200,000 | 23.1% |
| KeyBank National Association | 27 | 6.375% | $175,000 | 27.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 27 | 6.099% | $195,000 | 10.0% |
| USAA Federal Savings Bank | 24 | 6.500% | $280,000 | 22.6% |
| PENNYMAC LOAN SERVICES, LLC | 17 | 5.750% | $245,000 | 10.5% |
| FREEDOM MORTGAGE CORPORATION | 16 | 6.250% | $215,000 | 33.3% |
| NEWREZ LLC | 16 | 6.313% | $255,000 | 27.3% |
| Empower Federal Credit Union | 15 | 7.210% | $135,000 | 6.3% |
| Farm Credit East, ACA | 13 | 7.250% | $205,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 12 | 6.750% | $185,000 | 7.7% |
| Loan Funder LLC | 11 | 7.680% | $125,000 | 15.4% |
| PLANET HOME LENDING, LLC | 10 | 5.990% | $225,000 | 9.1% |
| Armed Forces Bank, National Association | 10 | 6.625% | $250,000 | 0.0% |
| Kiavi Funding, Inc. | 9 | Under 10 loans | Under 10 loans | 41.2% |
| Manufacturers and Traders Trust Company | 9 | Under 10 loans | Under 10 loans | 56.5% |
| Citizens Bank, National Association | 8 | Under 10 loans | Under 10 loans | 50.0% |
| Sidney Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 11.1% |
| 1ST PRIORITY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Barrington Bank & Trust Company, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SEFCU SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 4 | Under 10 loans | Under 10 loans | 60.0% |
| PREMIUM MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| JPMorgan Chase Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NBT Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Allied First Bank,sb | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 44.4% |
| U.S. Bank National Association | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 57.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fulton Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 85.7% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 84.6% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Visions Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| GUARANTEED RATE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 50.0% |
| THE SUMMIT Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 25.0% |
| LIMA ONE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIGURE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CONTOUR MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SEA COMM | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Utica Gas & Electric Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Seneca Savings | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOME TOWN FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Municipal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ESL Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Adirondack Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valley National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pathfinder Bank | 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% |
| Wilmington Savings Fund Society, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HUNT MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LYNX MORTGAGE BANK LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SYRACUSE FIRE DEPARTMENT EMPLOYEES | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Canandaigua National Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 41.7% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BMO Bank National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| American Airlines Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 50.0% |
| Broadview Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FIRST SOURCE | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Connexus Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| The Lyons National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| ROUNDPOINT MORTGAGE SERVICING LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Bank of Clarke | 0 | Under 10 loans | Under 10 loans | Not published |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Morgan Stanley Private Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Farmers Bank & Trust | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LONGBRIDGE FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| SUN WEST MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| JET DIRECT FUNDING CORP | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDSURE MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Truliant Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN HERITAGE LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PNC Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First National Bank of America | 0 | Under 10 loans | Under 10 loans | Not published |
| Stride Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of Pennsylvania | 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 Jefferson County
29 FDIC-insured branches from 8 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Watertown Savings Bank | 10 | $784.3 million |
| Community Bank, National Association | 6 | $673.5 million |
| KeyBank National Association | 3 | $229.1 million |
| Gouverneur Savings and Loan Association | 3 | $89.4 million |
| GS&L Municipal Bank | 3 | $15.9 million |
| Carthage Savings and Loan, National Association | 2 | $241.7 million |
| WSB Municipal Bank | 1 | $98.5 million |
| The Upstate National Bank | 1 | $17.9 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- Community Bank, National Association, 28499 Route 3, Black River
Get told when this changes
When the next year’s lending figures are out for Jefferson 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.