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Jefferson County, New York · 2025

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

134 lenders acted on 3,048 mortgage applications for properties in Jefferson County in 2025. 17.3% were denied (New York: 19.8%). Median rate on closed loans 6.50%; median loan $155,000; median property value $235,000.

3.0kApplications
17.3%Denial ratestate 19.8%
6.50%Median ratestate 6.63%
$155,000Median loan
$235,000Median property value

Largest lenders in Jefferson County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Northern Credit Union B 493339 18.5%6.38%
2 Movement Mortgage A 291234 1.7%6.38%
3 AMERICU Credit Union C 263170 27.4%6.25%
4 Community Bank D 221158 14.9%7.00%
5 Watertown Savings Bank A 174140 5.8%6.38%
6 Rocket Mortgage C 14786 32.7%6.63%
7 Mortgage Research Center C 13784 13.1%6.38%
8 Carthage Savings and Loan B 127102 12.6%—
9 Navy Federal Credit Union D 12355 19.5%6.13%
10 Genesee Regional Bank B 6853 5.9%6.63%
11 Gouverneur Savings and Loan Association C 6648 18.2%6.75%
12 Crosscountry Mortgage B 4937 6.1%6.50%
13 Loandepot.Com D 4930 18.4%6.37%
14 Plaza Home Mortgage C 4738 19.2%6.43%
15 KeyBank C 4327 23.3%6.38%
16 Homestead Funding A 4336 2.3%6.25%
17 Freedom Mortgage B 4016 20.0%6.25%
18 USAA Federal Savings Bank C 3924 18.0%6.50%
19 Newrez D 3816 15.8%6.31%
20 Pennymac Loan Services C 3417 5.9%5.75%
21 United Shore Financial Services B 3227 9.4%6.10%
22 Manufacturers and Traders Trust C 269 50.0%6.25%
23 Kiavi Funding D 269 26.9%10.45%
24 Citizens Bank C 238 39.1%8.90%
25 21st Mortgage F 232 52.2%9.14%

Best approval odds in Jefferson County

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

#LenderDecidedDecision denial rate
1Movement Mortgage2731.8%
2Watertown Savings Bank1586.3%
3Genesee Regional Bank626.5%
4Carthage Savings and Loan12013.3%
5Community Bank19117.3%
6Mortgage Research Center10317.5%
7Northern Credit Union47219.3%
8Gouverneur Savings and Loan Association6020.0%
9AMERICU Credit Union24229.8%
10Navy Federal Credit Union8030.0%

What Jefferson County borrowers applied for

By loan purpose

Home purchase 1,622 53% · 11.0% denied
Refinance 323 11% · 17.3% denied
Cash-out refinance 346 11% · 22.5% denied
Home improvement 416 14% · 25.5% denied
Other / HELOC 341 11% · 32.0% denied

By loan type

Conventional 2,008 66% · 19.7% denied
FHA 228 7% · 21.1% denied
VA 800 26% · 10.3% denied
USDA / RHS 12 0% · 25.0% denied

Why applications were denied

Credit history 174 33%
Debt-to-income ratio 123 23%
Collateral 100 19%
Other 67 13%
Incomplete application 29 5%
Unverifiable information 17 3%
Insufficient cash 13 2%
Employment history 5 1%

Jefferson County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20232,8321,82318.7%6.63%$135,000
20242,7491,79518.0%6.63%$145,000
20253,0481,98417.3%6.50%$155,000

Frequently asked questions

17.3% of applications in Jefferson County were denied in 2025, against 19.8% statewide in New York.

Northern Credit Union, with 493 applications in 2025 and a denial rate of 18.5%.

The median mortgage application in Jefferson County in 2025 was for $155,000; the median property value on originated loans was $235,000.