Mortgage lenders in Otsego County
818 mortgages were made in Otsego County, New York, in 2025, by 133 lenders. The median rate their borrowers got was 6.625% on a median loan of $135,000. Of 1,134 decisions, 277 were denials — 24.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Sidney Federal Credit Union | 150 | 6.500% | $75,000 | 14.9% |
| Community Bank, National Association | 110 | 7.183% | $120,000 | 22.9% |
| NBT Bank, National Association | 89 | 4.990% | $105,000 | 26.5% |
| Rocket Mortgage, LLC | 74 | 6.688% | $150,000 | 24.8% |
| Wayne Bank | 43 | Not published | $175,000 | 22.8% |
| HOMESTEAD FUNDING CORP. | 23 | 6.500% | $185,000 | 4.2% |
| Citizens Bank, National Association | 16 | 7.950% | $105,000 | 37.9% |
| PREMIUM MORTGAGE CORPORATION | 15 | 6.625% | $225,000 | 6.3% |
| Loandepot.Com, LLC | 15 | 6.990% | $75,000 | 34.8% |
| AMERICU Credit Union | 15 | 6.240% | $185,000 | 28.6% |
| Farm Credit East, ACA | 14 | 6.800% | $150,000 | 0.0% |
| SEFCU SERVICES, LLC | 13 | 6.375% | $215,000 | 0.0% |
| 1ST PRIORITY MORTGAGE, INC. | 13 | 6.500% | $165,000 | 13.3% |
| KeyBank National Association | 12 | 6.500% | $160,000 | 27.8% |
| PLAZA HOME MORTGAGE, INC. | 12 | 6.750% | $225,000 | 29.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 12 | 6.560% | $175,000 | 14.3% |
| Manufacturers and Traders Trust Company | 11 | 5.990% | $85,000 | 31.3% |
| JPMorgan Chase Bank, National Association | 10 | 6.813% | $200,000 | 28.6% |
| Genesee Regional Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| FIRST SOURCE | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Visions Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 46.7% |
| Navy Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 27.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 6 | Under 10 loans | Under 10 loans | 50.0% |
| U.S. Bank National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| NATIONSTAR MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Broadview Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Bank of Richmondville | 5 | Under 10 loans | Under 10 loans | 14.3% |
| ROYAL UNITED MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| G.P.O. Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Mortgage Research Center, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| RELIANCE FIRST CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 83.3% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 71.4% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| TD Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| TRIAD FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 20.0% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST NEW YORK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Tompkins Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Chemung Canal Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 83.3% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 85.7% |
| FREEDOM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Tioga State Bank, N. A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Berkshire Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Ulster Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The People's Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIGURE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUNMARK CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHERN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 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% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GHS Federal Credit Union | 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% |
| TOTAL MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERIDIAN BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Webster Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Kiavi Funding, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Presidential Bank, FSB | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HomeTrust Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Broker Solutions, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Fairway Independent Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| MID-ISLAND MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Empower Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| HSBC BANK USA, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | Not published |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| THE LOAN STORE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CREDIT UNION OF TEXAS | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| The Fidelity Deposit and Discount Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Five Star Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| UTILITIES EMPLOYEES CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| DOMINION FINANCIAL SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Adirondack Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Univest Bank and Trust Co. | 0 | Under 10 loans | Under 10 loans | Not published |
| SUFFOLK | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TEACHERS FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Magnolia Bank, Incorporated | 0 | Under 10 loans | Under 10 loans | Not published |
| POLISH & SLAVIC | 0 | Under 10 loans | Under 10 loans | Not published |
| FINANCE OF AMERICA REVERSE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDSURE MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| HARTFORD FUNDING, LTD. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CFCU COMMUNITY Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| United Trust Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of Pennsylvania | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| The Lyons National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| STAR USA FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 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 Otsego County
17 FDIC-insured branches from 4 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| NBT Bank, National Association | 8 | $539.2 million |
| Community Bank, National Association | 5 | $409.5 million |
| Wayne Bank | 2 | $305.9 million |
| KeyBank National Association | 2 | $139.3 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.