Mortgage lending in Cortland County
647 mortgages were originated in Cortland County, New York, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 647
- Median rate
- 6.500%
- Median lender fees
- $3,941
- Median loan amount
- $135,000
- Median spread over APOR
- 0.148
- Paid discount points
- 25.3%
- Received lender credits
- 16.4%
- Purchases / refinances
- 51.6% / 20.9%
- Conventional / FHA / VA
- 87.6% / 8% / 4.2%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 59.4% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Cortland County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| NBT Bank, National Association | 71 | — | 4.990% |
| CFCU COMMUNITY Credit Union | 70 | — | 6.250% |
| Tompkins Community Bank | 67 | — | 6.500% |
| EVERETT FINANCIAL, INC. | 58 | — | 6.625% |
What lenders charged here
Lender fees on a $135,000 loan, based on what was actually charged in Cortland County — not a rule of thumb.
From 384 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers