Mortgage lending in Cortland County, New York
Lenders in Cortland County, New York reported 1,025 mortgage applications for 2025, according to the CFPB.
1,025 mortgage applications and 647 loans originated in 2025; the denial rate was 23.4% of 885 applications decided. The median loan was about $135,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Cortland County, NY.
- 1,025
- Applications
- 647
- Loans originated
- 23.4%
- Denial rate
- 207 denied of 885 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,025 | 647 |
| 2024 | 959 | 615 |
| 2023 | 971 | 616 |
| 2022 | 1,172 | 815 |
| 2021 | 1,459 | 1,013 |
| 2020 | 1,276 | 841 |
| 2019 | 1,213 | 773 |
| 2018 | 1,108 | 716 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| NBT Bank NA | 71 | 115 |
| Beginnings Credit Union | 70 | 86 |
| Tompkins Community Bank | 67 | 88 |
| Everett Financial, Inc. | 58 | 71 |
| Rocket Mortgage | 37 | 64 |
| First National Bank of Dryden | 34 | 41 |
| Americu Credit Union | 31 | 60 |
| The Summit Federal Credit Union | 29 | 55 |
| Community Bank, N.A. | 20 | 24 |
| M&T Bank | 16 | 30 |
| Empower Federal Credit Union | 13 | 13 |
| Citizens Bank, NA | 13 | 24 |
| Keybank National Association | 13 | 20 |
| Visions Federal Credit Union | 11 | 28 |
| The First National Bank of Groton | 10 | 11 |
| Tioga State Bank, N.A. | 8 | 10 |
| Broadview Federal Credit Union | 8 | 15 |
| Geddes Federal Savings and Loan Association | 8 | 10 |
| Homestead Funding Corp. | 7 | 7 |
| Genesee Regional Bank | 7 | 12 |
| 21ST Mortgage | 7 | 18 |
| Mortgage Research Center | 6 | 9 |
| 1ST Priority Mortgage, Inc. | 6 | 6 |
| Usaa Federal Savings Bank | 6 | 7 |
| Navy Federal Credit Union | 5 | 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 | 20 | no rate: base under 50 |
| White | 840 | 23.5% of 745 decided |
| 2 or more minority races | under 10 | |
| Joint | 15 | no rate: base under 50 |
| Race Not Available | 137 | 17.8% of 107 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 17 | no rate: base under 50 |
| Not Hispanic or Latino | 856 | 23.7% of 752 decided |
| Joint | 14 | no rate: base under 50 |
| Ethnicity Not Available | 138 | 21.1% of 109 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 371 | 27.3% of 315 decided |
| Female | 240 | 26.7% of 210 decided |
| Joint | 328 | 18.2% of 291 decided |
| Sex Not Available | 86 | 17.4% of 69 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. 2221 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