Largest lenders in Fulton County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | NBT Bank | B | 131 | 82 | 28.2% | 5.00% |
| 2 | Rocket Mortgage | C | 120 | 87 | 17.5% | 6.88% |
| 3 | Community Bank | D | 119 | 88 | 12.6% | 7.38% |
| 4 | Broadview Federal Credit Union | C | 115 | 72 | 27.8% | 6.25% |
| 5 | Homestead Funding | A | 105 | 81 | 6.7% | 6.38% |
| 6 | Newrez | D | 76 | 43 | 13.2% | 6.75% |
| 7 | Citizens Bank | C | 65 | 37 | 27.7% | 8.90% |
| 8 | Sunmark Credit Union | C | 55 | 37 | 12.7% | 6.75% |
| 9 | KeyBank | C | 46 | 24 | 37.0% | 6.69% |
| 10 | United Shore Financial Services | B | 43 | 32 | 9.3% | 6.62% |
| 11 | Sefcu Services | A | 33 | 25 | 6.1% | 6.25% |
| 12 | Navy Federal Credit Union | D | 32 | 13 | 28.1% | 6.13% |
| 13 | Premium Mortgage | A | 31 | 18 | 16.1% | 6.44% |
| 14 | Sidney Federal Credit Union | B | 22 | 13 | 9.1% | 6.60% |
| 15 | JPMorgan Chase Bank | B | 19 | 10 | 10.5% | 6.56% |
| 16 | TrustCo Bank | B | 17 | 7 | 35.3% | 5.75% |
| 17 | AMERICU Credit Union | C | 17 | 5 | 58.8% | 6.25% |
| 18 | Manufacturers and Traders Trust | C | 16 | 7 | 43.8% | 5.99% |
| 19 | 21st Mortgage | F | 16 | 3 | 50.0% | 11.52% |
| 20 | Freedom Mortgage | B | 15 | 2 | 13.3% | 6.94% |
| 21 | Pennymac Loan Services | C | 14 | 8 | 7.1% | 5.94% |
| 22 | Mortgage Research Center | C | 14 | 7 | 21.4% | 6.25% |
| 23 | G.P.O. Federal Credit Union | C | 14 | 7 | 50.0% | 3.99% |
| 24 | Loan Funder | F | 14 | 6 | 7.1% | 9.20% |
| 25 | Discover Bank | F | 13 | 1 | 76.9% | 8.00% |
Best approval odds in Fulton County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Homestead Funding | 88 | 8.0% |
| 2 | Community Bank | 103 | 14.6% |
| 3 | Newrez | 53 | 18.9% |
| 4 | Rocket Mortgage | 108 | 19.4% |
| 5 | NBT Bank | 124 | 29.8% |
| 6 | Broadview Federal Credit Union | 104 | 30.8% |
| 7 | Citizens Bank | 56 | 32.1% |
What Fulton County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Fulton County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,354 | 755 | 22.0% | 6.75% | $125,000 |
| 2024 | 1,355 | 799 | 22.9% | 6.88% | $125,000 |
| 2025 | 1,525 | 894 | 21.5% | 6.63% | $125,000 |
Frequently asked questions
21.5% of applications in Fulton County were denied in 2025, against 19.8% statewide in New York.
NBT Bank, with 131 applications in 2025 and a denial rate of 28.2%.
The median mortgage application in Fulton County in 2025 was for $125,000; the median property value on originated loans was $225,000.