Mortgage lending in Jefferson County, New York
Lenders in Jefferson County, New York reported 3,048 mortgage applications for 2025, according to the CFPB.
3,048 mortgage applications and 1,984 loans originated in 2025; the denial rate was 20.0% of 2,634 applications decided. The median loan was about $165,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Watertown-Fort Drum, NY MSA.
- 3,048
- Applications
- 1,984
- Loans originated
- 20.0%
- Denial rate
- 528 denied of 2,634 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,048 | 1,984 |
| 2024 | 2,749 | 1,795 |
| 2023 | 2,832 | 1,823 |
| 2022 | 3,703 | 2,490 |
| 2021 | 4,617 | 3,290 |
| 2020 | 4,046 | 2,904 |
| 2019 | 3,279 | 2,242 |
| 2018 | 3,101 | 2,027 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Northern Credit Union | 339 | 493 |
| Movement Mortgage, LLC | 234 | 291 |
| Americu Credit Union | 170 | 263 |
| Community Bank, N.A. | 158 | 221 |
| Watertown Savings Bank | 140 | 174 |
| Carthage Savings and Loan, National Association | 102 | 127 |
| Rocket Mortgage | 86 | 147 |
| Mortgage Research Center | 84 | 137 |
| Navy Federal Credit Union | 55 | 123 |
| Genesee Regional Bank | 53 | 68 |
| Gouverneur Savings & Loan | 48 | 66 |
| Plaza Home Mortgage, Inc | 38 | 47 |
| Crosscountry Mortgage, LLC | 37 | 49 |
| Homestead Funding Corp. | 36 | 43 |
| loanDepot.com LLC | 30 | 49 |
| United Wholesale Mortgage | 27 | 32 |
| Keybank National Association | 27 | 43 |
| Usaa Federal Savings Bank | 24 | 39 |
| Pennymac Loan Services LLC | 17 | 34 |
| Newrez LLC | 16 | 38 |
| Freedom Mortgage Corporation | 16 | 40 |
| Empower Federal Credit Union | 15 | 18 |
| Farm Credit East ACA | 13 | 14 |
| Nationstar Mortgage | 12 | 16 |
| Loan Funder LLC | 11 | 18 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 23 | no rate: base under 50 |
| Asian | 61 | 20.0% of 50 decided |
| Black or African American | 110 | 26.8% of 97 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,406 | 19.1% of 2,112 decided |
| 2 or more minority races | under 10 | |
| Joint | 63 | 16.7% of 54 decided |
| Race Not Available | 372 | 25.2% of 290 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 145 | 20.8% of 120 decided |
| Not Hispanic or Latino | 2,471 | 19.8% of 2,166 decided |
| Joint | 64 | 12.5% of 56 decided |
| Ethnicity Not Available | 368 | 22.9% of 292 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,170 | 21.1% of 993 decided |
| Female | 624 | 23.7% of 557 decided |
| Joint | 1,051 | 15.8% of 935 decided |
| Sex Not Available | 203 | 25.5% of 149 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. 1610 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