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Chenango County, New York · 2025

Mortgage lenders in Chenango County, NY: denial rates and top lenders (2025)

108 lenders acted on 1,208 mortgage applications for properties in Chenango County in 2025. 23.3% were denied (New York: 19.8%). Median rate on closed loans 6.60%; median loan $105,000; median property value $195,000.

1.2kApplications
23.3%Denial ratestate 19.8%
6.60%Median ratestate 6.63%
$105,000Median loan
$195,000Median property value

Largest lenders in Chenango County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Sidney Federal Credit Union B 217124 21.2%6.63%
2 NBT Bank B 189134 19.6%5.63%
3 Rocket Mortgage C 11568 30.4%6.75%
4 Visions Federal Credit Union C 8348 26.5%7.25%
5 Community Bank D 6542 15.4%7.56%
6 21st Mortgage F 487 39.6%9.32%
7 GHS Federal Credit Union – 3835 2.6%6.25%
8 Manufacturers and Traders Trust C 2815 39.3%5.99%
9 Citizens Bank C 2717 14.8%8.90%
10 1st Priority Mortgage A 2419 12.5%6.50%
11 Homestead Funding A 2116 0.0%6.50%
12 AMERICU Credit Union C 177 41.2%6.13%
13 Navy Federal Credit Union D 167 25.0%6.38%
14 Premium Mortgage A 1510 20.0%6.56%
15 JPMorgan Chase Bank B 145 28.6%6.75%
16 Mortgage Research Center C 148 21.4%6.63%
17 Pennymac Loan Services C 133 46.2%5.99%
18 Farm Credit East, ACA A 1312 7.7%6.75%
19 Plaza Home Mortgage C 114 63.6%5.99%
20 Discover Bank F 101 60.0%9.38%
21 Genesee Regional Bank B 96 11.1%7.19%
22 United Shore Financial Services B 96 11.1%6.10%
23 Tioga State Bank, N. A. B 96 11.1%—
24 Bank of America F 81 62.5%6.74%
25 Empower Federal Credit Union B 84 12.5%8.37%

Best approval odds in Chenango County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Community Bank5219.2%
2NBT Bank17820.8%
3Sidney Federal Credit Union17825.8%
4Visions Federal Credit Union7330.1%
5Rocket Mortgage10334.0%

What Chenango County borrowers applied for

By loan purpose

Home purchase 539 45% · 17.8% denied
Refinance 106 9% · 22.6% denied
Cash-out refinance 179 15% · 26.3% denied
Home improvement 198 16% · 26.8% denied
Other / HELOC 186 15% · 32.8% denied

By loan type

Conventional 1,007 83% · 22.2% denied
FHA 140 12% · 28.6% denied
VA 50 4% · 30.0% denied
USDA / RHS 11 1% · 18.2% denied

Why applications were denied

Credit history 81 32%
Collateral 58 23%
Debt-to-income ratio 56 22%
Other 31 12%
Incomplete application 17 7%
Insufficient cash 5 2%
Unverifiable information 4 2%
Employment history 2 1%

Chenango County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202385347125.6%6.75%$105,000
202498458321.8%6.88%$105,000
20251,20869723.3%6.60%$105,000

Frequently asked questions

23.3% of applications in Chenango County were denied in 2025, against 19.8% statewide in New York.

Sidney Federal Credit Union, with 217 applications in 2025 and a denial rate of 21.2%.

The median mortgage application in Chenango County in 2025 was for $105,000; the median property value on originated loans was $195,000.