Home purchase lenders in Steuben County
790 home purchase mortgages were made in Steuben County, New York, in 2025, by 105 lenders. The median rate their borrowers got was 6.625% on a median loan of $155,000. Of 987 decisions, 128 were denials — 13.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| CORNING CREDIT UNION | 131 | 6.250% | $165,000 | 7.7% |
| MOVEMENT MORTGAGE, LLC | 59 | 6.625% | $155,000 | 6.9% |
| Community Bank, National Association | 58 | 7.688% | $130,000 | 10.5% |
| FIRST HERITAGE FEDERAL CREDIT UNION | 54 | 6.375% | $120,000 | 12.9% |
| EVERETT FINANCIAL, INC. | 48 | 6.563% | $155,000 | 2.0% |
| Rocket Mortgage, LLC | 42 | 6.625% | $160,000 | 28.8% |
| SERVU FEDERAL CREDIT UNION | 34 | Not published | $90,000 | 2.8% |
| 1ST PRIORITY MORTGAGE, INC. | 30 | 6.813% | $145,000 | 6.3% |
| PREMIUM MORTGAGE CORPORATION | 28 | 6.625% | $155,000 | 11.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 28 | 6.688% | $145,000 | 3.1% |
| HOME TOWN FUNDING, INC. | 21 | 7.125% | $175,000 | 4.2% |
| Genesee Regional Bank | 19 | 6.875% | $185,000 | 8.7% |
| CITIZENS & NORTHERN BANK | 18 | 7.000% | $165,000 | 10.0% |
| The Lyons National Bank | 17 | 6.500% | $305,000 | 5.6% |
| Mortgage Research Center, LLC | 14 | 6.563% | $235,000 | 12.5% |
| Farm Credit East, ACA | 12 | 7.125% | $225,000 | 7.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 11 | 6.990% | $155,000 | 8.3% |
| Navy Federal Credit Union | 10 | 6.500% | $235,000 | 16.7% |
| Tompkins Community Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 8 | Under 10 loans | Under 10 loans | 38.5% |
| Chemung Canal Trust Company | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| 21st Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 73.9% |
| Five Star Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Visions Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Wayne Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FAMILY FIRST OF NY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ESL Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 66.7% |
| RELIANT COMMUNITY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Empower Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 44.4% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CNB Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Broadview Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Loandepot.Com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FREEDOM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sidney Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tioga State Bank, N. A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHERN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBT Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLIFFCO, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pittsford Federal Credit Union | 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% |
| POLISH & SLAVIC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PS Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TAMMAC HOLDINGS CORPORATION | 0 | Under 10 loans | Under 10 loans | 33.3% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Bank of America, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| BPL MORTGAGE TRUST, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Evans Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CMG MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First Citizens Community Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| CONTOUR MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Ballston Spa National Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| SEFCU SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| DEEPHAVEN MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| U.S. Bank National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 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.
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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. 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.