Mortgage lending in Otsego County, New York
Lenders in Otsego County, New York reported 1,437 mortgage applications for 2025, according to the CFPB.
1,437 mortgage applications and 818 loans originated in 2025; the denial rate was 24.4% of 1,134 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: Otsego County, NY.
- 1,437
- Applications
- 818
- Loans originated
- 24.4%
- Denial rate
- 277 denied of 1,134 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,437 | 818 |
| 2024 | 1,265 | 737 |
| 2023 | 1,117 | 665 |
| 2022 | 1,644 | 1,002 |
| 2021 | 2,256 | 1,365 |
| 2020 | 1,847 | 1,122 |
| 2019 | 1,530 | 896 |
| 2018 | 1,510 | 889 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Sidney Federal Credit Union | 150 | 230 |
| Community Bank, N.A. | 110 | 162 |
| NBT Bank NA | 89 | 159 |
| Rocket Mortgage | 74 | 114 |
| Wayne Bank | 43 | 82 |
| Homestead Funding Corp. | 23 | 29 |
| Citizens Bank, NA | 16 | 39 |
| Premium Mortgage Corporation | 15 | 24 |
| Americu Credit Union | 15 | 23 |
| loanDepot.com LLC | 15 | 24 |
| Farm Credit East ACA | 14 | 14 |
| SEFCU Services, LLC | 13 | 16 |
| 1ST Priority Mortgage, Inc. | 13 | 16 |
| United Wholesale Mortgage | 12 | 16 |
| Plaza Home Mortgage, Inc | 12 | 19 |
| Keybank National Association | 12 | 22 |
| M&T Bank | 11 | 21 |
| JPMorgan Chase Bank, NA | 10 | 17 |
| First Source Federal Credit Un | 9 | 9 |
| Genesee Regional Bank | 9 | 14 |
| Navy Federal Credit Union | 8 | 14 |
| Visions Federal Credit Union | 8 | 23 |
| Guaranteed Rate, Inc. | 7 | 10 |
| Crosscountry Mortgage, LLC | 7 | 12 |
| Newrez LLC | 6 | 29 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 35 | no rate: base under 50 |
| Black or African American | 23 | no rate: base under 50 |
| White | 1,193 | 23.0% of 955 decided |
| Joint | withheld | |
| Race Not Available | 163 | 27.5% of 120 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 35 | no rate: base under 50 |
| Not Hispanic or Latino | 1,199 | 23.2% of 958 decided |
| Joint | 16 | no rate: base under 50 |
| Ethnicity Not Available | 187 | 30.4% of 138 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 524 | 25.9% of 405 decided |
| Female | 363 | 27.4% of 285 decided |
| Joint | 451 | 19.5% of 364 decided |
| Sex Not Available | 99 | 28.7% of 80 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. 2225 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