Cayuga Mortgage Company is a wholly-owned subsidiary of Elmira Savings & Loan F.A. (ES&L). For several decades ES&L had been originating mortgages in Tompkins, Schuyler and Tioga Counties from their Elmira offices. It was very evident that borrowers in these counties were searching for a dedicated lender who would provide competitively priced mortgage products, backed by an efficient support staff that would provide quick approvals. In an effort to meet this growing need, in 1985 ES&L opened a loan production office at 200 East Buffalo Street in Downtown Ithaca, NY.

In February 1991, in order to enhance the operation of the loan office, ES&L formed Cayuga Mortgage Company, a NYS licensed mortgage banking operation.

Cayuga Mortgage Company is a premier mortgage lender in Tompkins, Schuyler and Tioga County's. The product menu offered by the experienced origination staff is extensive and, because the operation is not burdened by a costly branch network, the interest rates and closing costs offered by Cayuga Mortgage are very competitively priced.

The majority of all loans originated by Cayuga Mortgage Company are serviced by its parent, Elmira Savings & Loan F.A. ES&L, founded in 1888, is a federally chartered Community Bank, with one full service office, located in Downtown Elmira, NY. Through the years, ES&L has been recognized as a leader in mortgage lending and currently services more than 5,500 loans, with outstanding balances in excess of $450 million.

ES&L, through the Bank and Cayuga Mortgage Company, is committed to providing real estate financing within the communities we serve.