Mortgage Lenders and Brokers in Cazenovia, New York
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Cazenovia, New York mortgage lenders include Community Bank, N.A.Community Bank, N.A.48 Albany St, Cazenovia, NY 13035A+5.0 ★Texas Ratio: 3.83%, M&T BankM&T Bank43 Albany St, Cazenovia, NY 13035A+5.0 ★Texas Ratio: 4.11%, Keybank National AssociationKeybank National Association138 Albany St, Cazenovia, NY 13035A+5.0 ★Texas Ratio: 4.81%, Americu Credit UnionAmericu Credit Union82 Albany St, Cazenovia, NY 13035A-5.0 ★Texas Ratio: 14.76%, SEFCU Services, LLCSEFCU Services, LLC180 N Main St, Alfred, NY 14802A5.0 ★Texas Ratio: 8.82%, Geddes Federal Savings and Loan AssociationGeddes Federal Savings and Loan Association2208 W Genesee St, Syracuse, NY 13219, Empower Federal Credit UnionEmpower Federal Credit Union65 state st, Auburn, NY 13021A5.0 ★Texas Ratio: 7.78%, Genesee Regional BankGenesee Regional Bank1850 Winton Rd S, Rochester, NY 14618A+5.0 ★Texas Ratio: 3.91%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1 S Airmont Rd, Airmont, NY 10901A+5.0 ★Texas Ratio: 3.68%, and Sidney Federal Credit UnionSidney Federal Credit Union4839 State Highway 30, Amsterdam, NY 12010A5.0 ★Texas Ratio: 6.03%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Cazenovia, New York in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cazenovia are listed first, then lenders elsewhere in New York, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Cazenovia, New York
Market share is the lender's share of all home loans closed in Cazenovia, New York. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Cazenovia 48 Albany St, Cazenovia, NY 13035 A+5.0 ★Texas Ratio: 3.83% |
Conventional, HELOC | 7 +5 HELOCs |
7.4% | 70% | $267,857 | View |
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1 office in Cazenovia 43 Albany St, Cazenovia, NY 13035 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 4 +6 HELOCs |
4.3% | 100% | $357,500 | View |
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1 office in Cazenovia 138 Albany St, Cazenovia, NY 13035 A+5.0 ★Texas Ratio: 4.81% |
Conventional | 3 | 3.2% | 75% | $231,666 | View |
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★ 1 stars, 1 review 82 Albany St, Cazenovia, NY 13035 A-5.0 ★Texas Ratio: 14.76% |
Conventional, HELOC | 10 +7 HELOCs |
10.6% | 100% | $133,000 | View |
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180 N Main St, Alfred, NY 14802 A5.0 ★Texas Ratio: 8.82% |
Conventional | 5 | 5.3% | 100% | $441,000 | View |
Geddes Federal Savings and Loan Association
2208 W Genesee St, Syracuse, NY 13219 |
Conventional, HELOC | 4 +2 HELOCs |
4.3% | 80% | $317,500 | |
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65 state st, Auburn, NY 13021 A5.0 ★Texas Ratio: 7.78% |
Conventional, HELOC | 3 +5 HELOCs |
3.2% | 100% | $201,666 | View |
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1850 Winton Rd S, Rochester, NY 14618 A+5.0 ★Texas Ratio: 3.91% |
Conventional | 3 | 3.2% | 100% | $475,000 | View |
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1 S Airmont Rd, Airmont, NY 10901 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 2.1% | 100% | $375,000 | View |
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4839 State Highway 30, Amsterdam, NY 12010 A5.0 ★Texas Ratio: 6.03% |
Conventional | 2 | 2.1% | 100% | $175,000 | View |
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182 Main St, Afton, NY 13730 A+5.0 ★Texas Ratio: 3.43% |
Conventional, HELOC | 1 +2 HELOCs |
1.1% | 50% | $255,000 | View |
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2 Elmwood Ave, Adams, NY 13605 A5.0 ★Texas Ratio: 9.67% |
Conventional, HELOC | 1 +1 HELOCs |
1.1% | 100% | $235,000 | View |
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1000 Willis Ave, Albertson, NY 11507 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
1.1% | 100% | $1,205,000 | View |
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35 Oswego St, Baldwinsville, NY 13027 A5.0 ★Texas Ratio: 9.60% |
Conventional | 1 | 1.1% | 100% | $705,000 | View |
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6002 NY 31, Cicero, NY 13039 A+5.0 ★Texas Ratio: 3.32% |
Conventional | 1 | 1.1% | 100% | $185,000 | View |
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197 Downer St, Baldwinsville, NY 13027 A+5.0 ★Texas Ratio: 0.90% |
Conventional | 1 | 1.1% | 100% | $285,000 | View |
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2235 Downer Street Rd, Baldwinsville, NY 13027 2359 A5.0 ★Texas Ratio: 6.03% |
Conventional | 1 | 1.1% | 50% | $305,000 | View |
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921 Saw Mill River Rd, Ardsley, NY 10502 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 1.1% | 100% | $685,000 | View |
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★ 5 stars, 1 review 311 Grant Avenue Rd, Auburn, NY 13021 A+5.0 ★Texas Ratio: 4.04% |
Conventional | 1 | 1.1% | 100% | $125,000 | View |
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7471 State Fair Blvd, Baldwinsville, NY 13027 A+5.0 ★Texas Ratio: 1.29% |
Conventional | 1 | 1.1% | 100% | $105,000 | View |
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125 State St, Albany, NY 12207 A+5.0 ★Texas Ratio: 3.71% |
Conventional, Jumbo | 1 | 1.1% | 100% | $955,000 | View |
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1440 Central Ave, Albany, NY 12205 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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1450 Western Ave, Albany, NY 12203 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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575 Broadway, Albany, NY 12207 A5.0 ★Texas Ratio: 6.36% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Homestead Funding Corp.
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Conventional | 3 | 3.2% | 75% | $335,000 | |
Premium Mortgage Corporation
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Conventional | 1 | 1.1% | 100% | $445,000 | |
Meadowbrook Financial Mortgage Bankers Corp.
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Conventional | 1 | 1.1% | 100% | $295,000 | |
Hunt Mortgage Corporation
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Conventional | 1 | 1.1% | 100% | $315,000 | |
Syracuse Fire Department EMPL FCU
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, VA | 7 | 7.4% | 80% | $220,714 | |
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D3.5 ★Texas Ratio: 32.93% |
Conventional, FHA | 5 | 5.3% | 100% | $327,000 | View |
CrossCountry Mortgage, LLC
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Conventional | 3 | 3.2% | 100% | $281,666 | |
Pennymac Loan Services LLC
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FHA, VA | 3 | 3.2% | 100% | $271,666 | |
United Wholesale Mortgage
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Conventional, Jumbo | 2 | 2.1% | 100% | $1,320,000 | |
Primelending
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Conventional | 2 | 2.1% | 100% | $210,000 | |
Farm Credit East ACA
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Conventional | 2 | 2.1% | 100% | $350,000 | |
Arc Home LLC
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Conventional | 1 | 1.1% | 100% | $255,000 | |
EMM Loans LLC
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VA | 1 | 1.1% | 100% | $435,000 | |
Alliant Credit Union
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Conventional | 1 | 1.1% | 100% | $575,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 1.1% | 100% | $335,000 | View |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 1.1% | 100% | $205,000 | View |
Newrez LLC
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Conventional | 1 | 1.1% | 50% | $365,000 | |
loanDepot.com LLC
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FHA | 1 | 1.1% | 50% | $165,000 | |
Discover Bank
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Conventional | 1 | 1.1% | 50% | $85,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 1.1% | 50% | $645,000 | View |
Mortgage Research Center
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VA | 1 | 1.1% | 100% | $375,000 |
Cazenovia Mortgage Rate Trends
Daily average mortgage rates for New York compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Cazenovia, New York
Looking for mortgage lenders near me or mortgage brokers near me in Cazenovia? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cazenovia in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Cazenovia, NY
Use these to narrow the list above. Each category shows how many Cazenovia, NY lenders fit and what that kind of lender is usually best for.
Who Lends in Cazenovia, NY
Independent mortgage companies closed 35.1 percent of home loans in Cazenovia, New York in 2025, banks 39.4 percent and credit unions 25.5 percent. Homestead Funding Corp. was the largest mortgage company, Community Bank, N.A. the largest bank and Americu Credit Union the largest credit union. Among lenders headquartered in New York, Community Bank, N.A. led with 7 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Attorneys customarily handle closings in New York. State mortgage recording tax of 0.5 percent plus a 0.25 percent special additional tax (paid by the lender on one to six family homes) and 0.25 percent more in the MCTD counties; in New York City the combined rate is 2.05 percent under $500,000 and 2.175 percent at or above, of which the borrower effectively pays 1.8 or 1.925 percent. State transfer tax is $2 per $500 plus a 1 percent mansion tax on homes of $1 million or more; NYC adds its own 1 to 1.425 percent RPTT. A CEMA (consolidation, extension and modification agreement) assigns the old mortgage to the new lender so recording tax is paid only on new money, and is standard practice for refinances and many purchases.
More New York Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Cazenovia, NY
By home loans closed in 2025, Community Bank, N.A. was the largest mortgage lender in Cazenovia, New York with 7 loans, about 7.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
3 lenders closed FHA loans in Cazenovia, New York in 2025, led by Everett Financial, Inc. with 2. 5 lenders closed VA loans, led by Rocket Mortgage. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 21 banks and 10 credit unions closed home loans in Cazenovia, New York in 2025, alongside 15 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Cazenovia, New York during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Cazenovia, New York for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Cazenovia. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
