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CFCU Credit Union


An additional platform to complement Digital Banking

CFCU More Login

Routing #: 221381540

Mortgage Loans

Our knowledgeable professionals will guide you through every step of the mortgage loan process.


We have lots of options to fit your needs and our mortgage loans are decisioned on and serviced locally.Visit our Mortgage Loan Center to apply and find even more information.

Mortgage Center

2023 Winner. Finger Lakes Favorites. Cayuga Radio Group. Voted the best home mortgage provider.

No Closing Costs*

Low-Rate Mortgages

Fast Approval

Contact the Mortgage Team

Contact the Mortgage Team

Jun 11, 2024, 14:38 PM
Title : Contact the Mortgage Team
Contact form : Yes

Get Pre-Approved

What's the Difference Between Pre-Qualification and Pre-Approval?

  • A pre-qualification is a quick estimate of a loan amount you may qualify for. A pre-approval is a conditional commitment to provide a mortgage to you.

Why Should Getting Pre-Approved be My First Step?

  • Getting pre-approved will provide you with a realistic budget amount when shopping.
  • During the process, you will obtain great information about the different mortgage programs available.
  • The market for buying is very competitive, having a pre-approval will increase your chances of the seller accepting your offer since it means there will be fewer issues finalizing the mortgage.

How Do I Get Pre-Approved?

  • Apply Online
  • Fill out a loan application at one of our branch locations
  • Receive a call from one of our knowledgeable Mortgage Lenders

First Time Homebuyer?

Home Buying Resources

We know buying your first home can be intimidating. That’s why we’ve put together these guides to help you get started.

Dream Home Club

Are you a first time Home Buyer and looking to save more for that down payment? Check out our funds matching savings program.

Dream Home Club Details


No Closing Cost Loans require a 3-year recapture period and Transformation Checking with Autopay.


The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau's Web site (


CFCU is registered with the New York State Superintendent of Financial Services. You may file complaints and obtain further information about CFCU by contacting the New York State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or at

We offer mortgage loans in Ithaca, Cortland, Waterloo, North Syracuse, East Syracuse and more.