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Delaware County, New York · 2025

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

144 lenders acted on 1,205 mortgage applications for properties in Delaware County in 2025. 23.7% were denied (New York: 19.8%). Median rate on closed loans 6.63%; median loan $155,000; median property value $265,000.

1.2kApplications
23.7%Denial ratestate 19.8%
6.63%Median ratestate 6.63%
$155,000Median loan
$265,000Median property value

Largest lenders in Delaware County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Sidney Federal Credit Union B 171107 17.0%6.50%
2 Wayne Bank F 12559 28.8%—
3 Rocket Mortgage C 10559 35.2%6.88%
4 Community Bank D 8863 14.8%7.38%
5 NBT Bank B 8355 21.7%5.00%
6 Homestead Funding A 3629 2.8%6.49%
7 21st Mortgage F 303 50.0%8.62%
8 Newrez D 2810 28.6%6.87%
9 JPMorgan Chase Bank B 2610 19.2%7.00%
10 United Shore Financial Services B 2414 16.7%6.75%
11 Citizens Bank C 2310 39.1%8.40%
12 Bank of America F 2310 26.1%6.25%
13 Crosscountry Mortgage B 2312 8.7%7.20%
14 Ulster Savings Bank B 1818 0.0%6.13%
15 Navy Federal Credit Union D 124 25.0%7.39%
16 TD Bank D 122 41.7%7.26%
17 Manufacturers and Traders Trust C 117 27.3%6.50%
18 Wells Fargo Bank B 113 36.4%6.13%
19 Better Mortgage F 103 0.0%8.25%
20 Bethpage Federal Credit Union C 101 50.0%6.25%
21 Broker Solutions D 105 10.0%7.25%
22 Citibank B 93 33.3%6.50%
23 Mortgage Research Center C 95 0.0%6.99%
24 Discover Bank F 81 62.5%9.69%
25 Visions Federal Credit Union C 83 50.0%7.25%

Best approval odds in Delaware County

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

#LenderDecidedDecision denial rate
1Community Bank7617.1%
2Sidney Federal Credit Union14420.1%
3NBT Bank7424.3%
4Rocket Mortgage10037.0%
5Wayne Bank9637.5%

What Delaware County borrowers applied for

By loan purpose

Home purchase 540 45% · 17.2% denied
Refinance 131 11% · 26.0% denied
Cash-out refinance 181 15% · 29.8% denied
Home improvement 193 16% · 31.1% denied
Other / HELOC 160 13% · 28.1% denied

By loan type

Conventional 1,086 90% · 23.1% denied
FHA 84 7% · 29.8% denied
VA 32 3% · 28.1% denied
USDA / RHS 3 0% · 33.3% denied

Why applications were denied

Debt-to-income ratio 69 30%
Credit history 57 25%
Collateral 56 24%
Other 21 9%
Incomplete application 19 8%
Insufficient cash 4 2%
Unverifiable information 3 1%
Employment history 2 1%

Delaware County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202389748823.5%6.88%$145,000
20241,06256024.6%6.98%$135,000
20251,20563923.7%6.63%$155,000

Frequently asked questions

23.7% of applications in Delaware County were denied in 2025, against 19.8% statewide in New York.

Sidney Federal Credit Union, with 171 applications in 2025 and a denial rate of 17.0%.

The median mortgage application in Delaware County in 2025 was for $155,000; the median property value on originated loans was $265,000.