Lender in New York · HMDA 2025
Community Bank, N.A. mortgages in New York
Community Bank, N.A.'s 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Community Bank, N.A. originated 1,630 owner-occupied single-family loans in New York from 1,917 completed applications, making it the state's #16 lender by volume.
Its median conventional purchase loan costs were $0 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 7.25% (New York: 6.50%).
Loans in NY
1,630
of 1,917 applications
Denial rate
12.7%
Purchase · NY 9.5%
Rate spread
+0.75 pts
Conv. · NY +0.07 pts
Loan amount
$175,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,644 | 1,433 | 12.7% | 7.250% | +0.75 pts | $0 | $175,000 |
| Refinance | 260 | 188 | 26.5% | 7.500% | +0.91 pts | $0 | $105,000 |
| Cash-out refinance | 13 | 9 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
New York counties where Community Bank, N.A. ranks in the top 25
Showing the 30 counties where it ranks highest, of 44.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Clinton County | 1 | 145 | 28.8% |
| Cattaraugus County | 1 | 66 | 14.3% |
| Essex County | 1 | 51 | 20.2% |
| Franklin County | 1 | 48 | 23.1% |
| Hamilton County | 1 | 12 | 27.9% |
| Chautauqua County | 2 | 117 | 13.6% |
| St. Lawrence County | 2 | 83 | 15.5% |
| Allegany County | 2 | 61 | 22.3% |
| Otsego County | 2 | 58 | 14.7% |
| Schuyler County | 2 | 12 | 10.0% |
| Fulton County | 3 | 50 | 11.3% |
| Madison County | 3 | 40 | 6.7% |
| Lewis County | 3 | 29 | 13.9% |
| Delaware County | 3 | 24 | 9.3% |
| Tompkins County | 4 | 40 | 6.6% |
| Montgomery County | 4 | 24 | 5.7% |
| Chenango County | 4 | 23 | 7.4% |
| Seneca County | 4 | 12 | 5.4% |
| Broome County | 6 | 50 | 3.7% |
| Oneida County | 7 | 90 | 4.9% |
| Steuben County | 7 | 40 | 5.2% |
| Livingston County | 7 | 18 | 3.8% |
| Tioga County | 7 | 14 | 3.5% |
| Oswego County | 8 | 37 | 3.6% |
| Chemung County | 8 | 23 | 3.0% |
| Yates County | 8 | 7 | 4.0% |
| Jefferson County | 9 | 41 | 3.6% |
| Cortland County | 9 | 7 | 2.2% |
| Wayne County | 10 | 17 | 1.9% |
| Columbia County | 10 | 10 | 2.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology