Mortgage lending in Cayuga County, New York
Lenders in Cayuga County, New York reported 1,892 mortgage applications for 2025, according to the CFPB.
1,892 mortgage applications and 1,226 loans originated in 2025; the denial rate was 21.8% of 1,630 applications decided. The median loan was about $125,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Cayuga County, NY.
- 1,892
- Applications
- 1,226
- Loans originated
- 21.8%
- Denial rate
- 356 denied of 1,630 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,892 | 1,226 |
| 2024 | 1,802 | 1,183 |
| 2023 | 1,762 | 1,136 |
| 2022 | 2,161 | 1,403 |
| 2021 | 2,458 | 1,762 |
| 2020 | 2,430 | 1,684 |
| 2019 | 2,076 | 1,412 |
| 2018 | 1,953 | 1,292 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Lyons National Bank | 151 | 174 |
| Empower Federal Credit Union | 145 | 195 |
| Americu Credit Union | 106 | 170 |
| Auburn Community Federal Credit Union | 61 | 81 |
| Rocket Mortgage | 61 | 93 |
| M&T Bank | 56 | 101 |
| Tompkins Community Bank | 48 | 57 |
| Cayuga Lake National Bank | 47 | 52 |
| Keybank National Association | 47 | 65 |
| Community Bank, N.A. | 44 | 56 |
| Genesee Regional Bank | 36 | 53 |
| The First National Bank of Groton | 26 | 26 |
| Chemung Canal Trust Company | 16 | 25 |
| Primelending | 15 | 20 |
| Movement Mortgage, LLC | 15 | 23 |
| Premium Mortgage Corporation | 13 | 16 |
| United Wholesale Mortgage | 13 | 18 |
| Everett Financial, Inc. | 13 | 14 |
| Savannah Bank, N.A. | 12 | 17 |
| Geddes Federal Savings and Loan Association | 12 | 14 |
| NBT Bank NA | 11 | 16 |
| Beginnings Credit Union | 11 | 14 |
| Sidney Federal Credit Union | 10 | 13 |
| Crosscountry Mortgage, LLC | 9 | 12 |
| JPMorgan Chase Bank, NA | 9 | 13 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | 30 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,653 | 21.4% of 1,453 decided |
| 2 or more minority races | under 10 | |
| Joint | 12 | no rate: base under 50 |
| Race Not Available | 182 | 22.9% of 131 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 28 | no rate: base under 50 |
| Not Hispanic or Latino | 1,619 | 20.6% of 1,418 decided |
| Joint | 15 | no rate: base under 50 |
| Ethnicity Not Available | 230 | 30.1% of 173 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 659 | 22.9% of 563 decided |
| Female | 538 | 30.4% of 454 decided |
| Joint | 580 | 13.7% of 519 decided |
| Sex Not Available | 115 | 19.1% of 94 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 2424 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved