Largest lenders in Wyoming County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Tompkins Community Bank | B | 96 | 67 | 28.1% | 3.25% |
| 2 | Premium Mortgage | A | 93 | 77 | 5.4% | 6.50% |
| 3 | Rocket Mortgage | C | 74 | 54 | 21.6% | 6.88% |
| 4 | ESL Federal Credit Union | B | 69 | 44 | 24.6% | 6.13% |
| 5 | Manufacturers and Traders Trust | C | 68 | 32 | 41.2% | 5.99% |
| 6 | Five Star Bank | C | 62 | 50 | 16.1% | 8.25% |
| 7 | United Shore Financial Services | B | 50 | 44 | 8.0% | 6.38% |
| 8 | Genesee Valley | A | 46 | 35 | 15.2% | 6.99% |
| 9 | Community Bank | D | 35 | 30 | 11.4% | 7.00% |
| 10 | Citizens Bank | C | 32 | 20 | 28.1% | 8.65% |
| 11 | Bank of Holland | C | 20 | 16 | 15.0% | — |
| 12 | KeyBank | C | 17 | 10 | 35.3% | 6.63% |
| 13 | Alden State Bank | B | 16 | 12 | 18.8% | — |
| 14 | 1st Priority Mortgage | A | 15 | 12 | 0.0% | 6.50% |
| 15 | Pennymac Loan Services | C | 14 | 4 | 21.4% | 6.12% |
| 16 | Newrez | D | 13 | 4 | 38.5% | 6.44% |
| 17 | Triad Financial Services | D | 13 | 4 | 30.8% | 9.96% |
| 18 | Loandepot.Com | D | 11 | 7 | 27.3% | 6.49% |
| 19 | Navy Federal Credit Union | D | 11 | 5 | 9.1% | 6.38% |
| 20 | Bank of America | F | 10 | 2 | 40.0% | 6.24% |
| 21 | Family First of NY | A | 10 | 7 | 30.0% | 6.50% |
| 22 | Hunt Mortgage | B | 10 | 7 | 10.0% | 6.63% |
| 23 | 21st Mortgage | F | 9 | 3 | 44.4% | 10.97% |
| 24 | Farm Credit East, ACA | A | 9 | 8 | 0.0% | 6.85% |
| 25 | Mortgage Research Center | C | 9 | 6 | 11.1% | 6.25% |
Best approval odds in Wyoming County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Premium Mortgage | 83 | 6.0% |
| 2 | Five Star Bank | 61 | 16.4% |
| 3 | Rocket Mortgage | 71 | 22.5% |
| 4 | ESL Federal Credit Union | 63 | 27.0% |
| 5 | Tompkins Community Bank | 94 | 28.7% |
| 6 | Manufacturers and Traders Trust | 63 | 44.4% |
What Wyoming County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Wyoming County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 856 | 570 | 20.0% | 6.75% | $105,000 |
| 2024 | 826 | 564 | 18.4% | 6.88% | $105,000 |
| 2025 | 995 | 667 | 21.8% | 6.63% | $125,000 |
Frequently asked questions
21.8% of applications in Wyoming County were denied in 2025, against 19.8% statewide in New York.
Tompkins Community Bank, with 96 applications in 2025 and a denial rate of 28.1%.
The median mortgage application in Wyoming County in 2025 was for $125,000; the median property value on originated loans was $215,000.