Binghamton, NY Metro Area Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 6,759 mortgage applications in Binghamton, NY metro area totaling $1.0 billion, up 15% from 2024. The average application was for $148,182, and applicants reported an average income of $106,904. 55% of applications resulted in an originated loan and 18% were denied. The most active lender was Visions Federal Credit Union, with 1,200 applications, followed by Homestead Funding Corp. and M&T Bank.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 6,759 |
| Total Mortgage Loan Application Amount | $1,001,565,000 |
| Average Mortgage Loan Application Amount | $148,182 |
| Highest Mortgage Loan Application Amount | $11,925,000 |
| Average Applicant Income | $106,904 |
| Highest Applicant Income | $6,947,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ n/a | 1,200 | $ 117,900,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ n/a | 395 | $ 81,895,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 395 | $ 45,795,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 275 | $ 45,485,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 254 | $ 30,760,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ n/a | 240 | $ 23,230,000 |
| Broadview Federal Credit Union 700 PATROON CREEK BLVD ALBANY, NY 12206 |
* | $ n/a | 237 | $ 16,955,000 |
| Tioga State Bank, N.A. PO BOX 386 SPENCER, NY 14883 |
* | $ n/a | 204 | $ 33,890,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ n/a | 200 | $ 25,900,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 184 | $ 33,730,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ n/a | 149 | $ 25,345,000 |
| 1st Priority Mortgage, Inc. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ n/a | 125 | $ 22,635,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 123 | $ 21,055,000 |
| Tompkins Community Bank THE COMMONS ITHACA, NY 14850 |
* | $ n/a | 93 | $ 37,495,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 89 | $ 15,545,000 |
| Sidney Federal Credit Union 42 UNION STREET SIDNEY, NY 13838 |
* | $ n/a | 84 | $ 13,340,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 70 | $ 9,080,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 64 | $ 10,540,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 64 | $ 5,370,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 57 | $ 9,735,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 57 | $ 10,305,000 |
| Sefcu Services, LLC 700 PATROON CREEK BLVD SUITE 301 ALBANY, NY 12205 |
* | $ n/a | 55 | $ 9,885,000 |
| Absolute Home Mortgage 330 PASSAIC AVENUE FAIRFIELD, NJ 07004 |
* | $ n/a | 54 | $ 9,590,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 49 | $ 5,565,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ n/a | 45 | $ 6,045,000 |
| Citizens & Northern Bank PO BOX 58, ADMINISTRATION BUILDING WELLSBORO, PA 16901 |
* | $ n/a | 44 | $ 5,560,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 42 | $ 7,270,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 40 | $ 6,170,000 |
| Ghs Federal Credit Union 910 FRONT STREET BINGHAMTON NY 13905 BINGHAMTON, NY 13905 |
* | $ n/a | 40 | $ 2,830,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 40 | $ 9,470,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 38 | $ 4,200,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 37 | $ 5,145,000 |
| Chemung Canal Trust Company ONE CHEMUNG CANAL PLAZA ELMIRA, NY 14901 |
* | $ n/a | 36 | $ 5,680,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ n/a | 36 | $ 8,780,000 |
| Premium Mortgage Corporation 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ n/a | 35 | $ 6,405,000 |
| Champions Funding, LLC 365 E GERMANN RD #140 GILBERT, AZ 85297 |
* | $ n/a | 35 | $ 7,035,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 33 | $ 8,075,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 29 | $ 5,255,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 28 | $ 5,120,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 24 | $ 4,450,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 24 | $ 4,750,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ n/a | 24 | $ 3,790,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 24 | $ 4,900,000 |
| Wayne Bank 717 MAIN STREET HONESDALE, PA 18431 |
* | $ n/a | 23 | $ 3,575,000 |
| Loan Funder LLC 645 MADISON AVENUE, 19TH FLOOR NEW YORK, NY 10022 |
* | $ n/a | 23 | $ 3,935,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 23 | $ 4,435,000 |
| Ghs Federal Credit Union 910 FRONT STREET BINGHAMTON NY 13905 BINGHAMTON, NY 13905 |
* | $ n/a | 22 | $ 1,390,000 |
| Hometown Equity Mortgage, LLC 25531 COMMERCENTRE DRIVE SUITE 250 LAKE FOREST, CA 92630 |
* | $ n/a | 22 | $ 5,590,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ n/a | 21 | $ 4,105,000 |
| Beginnings Credit Union 1030 CRAFT ROAD ITHACA, NY 14850 |
* | $ n/a | 21 | $ 3,155,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 21 | $ 2,705,000 |
| Peoples Security Bank and Trust Company 100 SOUTH BLAKLEY STREET DUNMORE DUNMORE, PA 18512 |
* | $ n/a | 21 | $ 2,325,000 |
| Velocity Commercial Capital LLC 2945 TOWNSGATE ROAD SUITE 110 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 20 | $ 5,580,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ n/a | 20 | $ 3,070,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ n/a | 19 | $ 3,255,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 19 | $ 5,495,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 18 | $ 2,510,000 |
| Guidance Residential, LLC 11107 SUNSET HILLS ROAD, STES 100 & 200 RESTON, VA 20190 |
* | $ n/a | 17 | $ 3,945,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 17 | $ 2,085,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ n/a | 17 | $ 2,745,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ n/a | 17 | $ 2,315,000 |
| Ingersoll-Rand Federal Credit Union 199 N MAIN STREET ATHENS, PA 18810 |
* | $ n/a | 17 | $ 2,175,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 17 | $ 2,205,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 16 | $ 2,510,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 16 | $ 1,030,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ n/a | 15 | $ 3,135,000 |
| United Mortgage Corp. 25 MELVILLE PARK ROAD MELVILLE, NY 11747 |
* | $ n/a | 15 | $ 2,675,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ n/a | 15 | $ 2,785,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 14 | $ 860,000 |
| Bpl Mortgage, LLC OAKBROOK TERRACE, IL 60181 |
* | $ n/a | 14 | $ 1,930,000 |
| Foundation Mortgage Corporation 1680 MICHIGAN AVE SUITE 700 MIAMI BEACH, FL 33139 |
* | $ n/a | 13 | $ 2,075,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 13 | $ 1,375,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 13 | $ 2,245,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ n/a | 12 | $ 2,770,000 |
| American Heritage Lending, LLC 19800 MACARTHUR BLVD SUITE 950 IRVINE, CA 92612 |
* | $ n/a | 12 | $ 1,990,000 |
| Texana Bank 124 E RUSH ST LINDEN, TX 75563 |
* | $ n/a | 11 | $ 3,075,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 10 | $ 750,000 |
| Stride Bank, National Association 324 WEST BROADWAY AVENUE ENID, OK 73701 |
* | $ n/a | 10 | $ 1,970,000 |
| Contour Mortgage Corporation 990 STEWART AVENUE STE#660 GARDEN CITY, NY 11530 |
* | $ n/a | 10 | $ 1,680,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 9 | $ 1,685,000 |
| Ice Lender Holdings LLC 31 W 34TH ST. #1012 NEW YORK, NY 10018 |
* | $ n/a | 9 | $ 3,315,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 9 | $ 1,445,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ n/a | 8 | $ 1,850,000 |
| Five Star Bank 55 NORTH MAIN ST WARSAW, NY 14569 |
* | $ n/a | 8 | $ 990,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 8 | $ 1,030,000 |
| Ps Bank 42621 ROUTE 6 WYALUSING, PA 18853 |
* | $ n/a | 8 | $ 670,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ n/a | 8 | $ 1,500,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 8 | $ 1,480,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 8 | $ 1,250,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 7 | $ 485,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 7 | $ 1,265,000 |
| Temple View Capital Funding LP 7550 WISCONSIN AVE STE 1000 BETHESDA, MD 20814 |
* | $ n/a | 7 | $ 1,005,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 7 | $ 915,000 |
| Lima One Capital, LLC 201 E. MCBEE AVE, SUITE 300 GREENVILLE, SC 29601 |
* | $ n/a | 7 | $ 1,095,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 7 | $ 1,195,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ n/a | 7 | $ 1,005,000 |
| Logan Finance Corporation 1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE HAUPPAUGE, NY 11788 |
* | $ n/a | 7 | $ 1,725,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 7 | $ 1,325,000 |
| Citadel Servicing Corporation 15707 ROCKFIELD BLVD STE 320 IRVINE, CA 92618 |
* | $ n/a | 6 | $ 860,000 |
| Pike Creek Mortgage Services, Inc. 2100 DRUMMOND PLAZA NEWARK, DE 19711 |
* | $ n/a | 6 | $ 920,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ n/a | 6 | $ 590,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ n/a | 6 | $ 1,520,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 6 | $ 1,270,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 6 | $ 470,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ n/a | 5 | $ 685,000 |
| First National Bank of Dryden 7 WEST MAIN ST DRYDEN, NY 13053 |
* | $ n/a | 5 | $ 645,000 |
| Cliffco, Inc. 1065 OLD COUNTRY ROAD SUITE 204 UNIONDALE, NY 11553 |
* | $ n/a | 5 | $ 1,055,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ n/a | 5 | $ 395,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 5 | $ 775,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 5 | $ 1,315,000 |
| Quontic Bank 31-05 BROADWAY ASTORIA, NY 11106 |
* | $ n/a | 5 | $ 855,000 |
| Ponce Bank 2244 WESTCHESTER AVE BRONX, NY 10462 |
* | $ n/a | 5 | $ 795,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 5 | $ 685,000 |
| Alternatives Federal Credit Union 125 N FULTON ST ITHACA, NY 14850 |
* | $ n/a | 4 | $ 630,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 4 | $ 110,000 |
| ESL Federal Credit Union 225 CHESTNUT STREET ROCHESTER, NY 14604 |
* | $ n/a | 4 | $ 390,000 |
| Interstate Home Loan Center, Inc. 40 MARCUS DRIVE SUITE 100 MELVILLE, NY 11747 |
* | $ n/a | 4 | $ 790,000 |
| Uif Corporation 29777 TELEGRAPH RD. SUITE 3590 SOUTHFIELD, MI 48034 |
* | $ n/a | 4 | $ 730,000 |
| First Citizens Community Bank 15 S. MAIN STREET MANSFIELD, PA 16933 |
* | $ n/a | 3 | $ 805,000 |
| The First National Bank of Groton 161 MAIN STREET GROTON, NY 13073 |
* | $ n/a | 3 | $ 735,000 |
| First Heritage Federal Credit Union 110 VILLAGE SQUARE, SUITE 101 CORNING, NY 14830 |
* | $ n/a | 3 | $ 525,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 3 | $ 535,000 |
| Meadowbrook Financial Mortgage Bankers Corp. 1600 STEWART AVE.; SUITE 701 WESTBURY, NY 11590 |
* | $ n/a | 3 | $ 595,000 |
| Luxury Mortgage Corp. FOUR LANDMARK SQUARE SUITE 300 STAMFORD, CT 06901 |
* | $ n/a | 3 | $ 545,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ n/a | 3 | $ 375,000 |
| Hudson Valley Credit Union PO BOX 1071 POUGHKEEPSIE, NY 12602 |
* | $ n/a | 3 | $ 515,000 |
| Abl Rpc Residential Credit Acquisition LLC 30 MONTGOMERY ST STE 150 JERSEY CITY, NJ 07302 |
* | $ n/a | 3 | $ 695,000 |
| Dominion Financial Services, LLC 1029 N CALVERT ST BALTIMORE, MD 21202 |
* | $ n/a | 3 | $ 305,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ n/a | 2 | $ 480,000 |
| Nqm Funding, LLC E, 4800 N FEDERAL HWY #200 BOCA RATON, FL 33431 |
* | $ n/a | 2 | $ 350,000 |
| The Freedom Bank of Virginia 10555 MAIN STREET FAIRFAX, VA 22030 |
* | $ n/a | 2 | $ 750,000 |
| Servu Federal Credit Union 9823 SCIENCE CENTER DRIVE PAINTED POST, NY 14870 |
* | $ n/a | 2 | $ 290,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ n/a | 2 | $ 90,000 |
| Genesee Regional Bank 1850 SOUTH WINTON ROAD ROCHESTER, NY 14618 |
* | $ n/a | 2 | $ 240,000 |
| Weichert Financial Services 225 LITTLETON ROAD MORRIS PLAINS, NJ 07950 |
* | $ n/a | 2 | $ 570,000 |
| Constructive Loans LLC 1801 S MEYERS RD OAKBROOK TERRACE, IL 60181 |
* | $ n/a | 2 | $ 310,000 |
| Hanmi Bank 3660 WILSHIRE BLVD STE 103 LOS ANGELES, CA 90006 |
* | $ n/a | 2 | $ 340,000 |
| Luminate Bank 2523 SOUTH WAYZATA BOULEVARD SUITE 100 MINNEAPOLIS, MN 55405 |
* | $ n/a | 2 | $ 310,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 2 | $ 220,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ n/a | 2 | $ 280,000 |
| Dart Bank 368 S. PARK ST. MASON, MI 48854 |
* | $ n/a | 2 | $ 390,000 |
| Lyons National Bank 35 WILLIAM STREET LYONS, NY 14489 |
* | $ n/a | 2 | $ 340,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 2 | $ 240,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ n/a | 2 | $ 420,000 |
| Archwest Funding IRVINE, CA 92612 |
* | $ n/a | 2 | $ 360,000 |
| US Mortgage Corporation 201 OLD COUNTRY ROAD MELVILLE, NY 11747 |
* | $ n/a | 2 | $ 370,000 |
| Municipal Credit Union 22 CORTLANDT STREET 29TH FLOOR NEW YORK, NY 10007 |
* | $ n/a | 2 | $ 270,000 |
| Mid-Island Mortgage Corp. 900 MERCHANTS CONCOURSE, SUITE #112 WESTBURY, NY 11590 |
* | $ n/a | 2 | $ 340,000 |
| Ulster Savings Bank 180 SCHWENK DRIVE KINGSTON, NY 12401 |
* | $ n/a | 2 | $ 410,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 2 | $ 560,000 |
| Island Federal Credit Union 120 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ n/a | 1 | $ 105,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ n/a | 1 | $ 305,000 |
| Lendsure Mortgage Corp. 16959 BERNARDO CENTER DR, #102 SAN DIEGO, CA 92128 |
* | $ n/a | 1 | $ 335,000 |
| Jovia Financial Federal Credit 1000 CORPORATE DRIVE WESTBURY, NY 11590 |
* | $ n/a | 1 | $ 105,000 |
| Affinity Federal Credit Union 73 MOUNTAINVIEW BLVD. BASKING RIDGE, NJ 07920 |
* | $ n/a | 1 | $ 85,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 1 | $ 95,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ n/a | 1 | $ 205,000 |
| Sunmark Credit Union 1187 TROY SCHENECTADY ROAD LATHAM, NY 12110 |
* | $ n/a | 1 | $ 175,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ n/a | 1 | $ 275,000 |
| Fidelity Deposit & Discount Bank 101 N BLAKELY ST SCRANTON, PA 18512 |
* | $ n/a | 1 | $ 595,000 |
| 1st 2nd Mortgage Company of N.J., Inc. 50 SPRING ST CRESSKILL, NJ 07626 |
* | $ n/a | 1 | $ 165,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 1 | $ 155,000 |
| Hometown Funding, Inc. D/B/A Cnb Mortgage Company 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ n/a | 1 | $ 205,000 |
| Northrop Grumman Federal Credit Union 879 W 190TH ST 8TH FLOOR GARDENA, CA 90248 |
* | $ n/a | 1 | $ 155,000 |
| Valley National Bank 615 MAIN AVENUE PASSAIC, NJ 07055 |
* | $ n/a | 1 | $ 425,000 |
| Rbc Bank (Georgia), N.A. RALEIGH, NC 27607 |
* | $ n/a | 1 | $ 285,000 |
| Stanford Federal Credit Union 1860 EMBARCADERO ROAD PALO ALTO, CA 94303 |
* | $ n/a | 1 | $ 305,000 |
| Kinecta Federal Credit Union 1440 ROSECRANS AVE MANHATTAN BEACH, CA 90266 |
* | $ n/a | 1 | $ 105,000 |
| United Trust Bank 12330 S. HARLEM AVENUE PALOS HEIGHTS, IL 60463 |
* | $ n/a | 1 | $ 155,000 |
| Norwich Commercial Group Inc 38 SECURITY DRIVE AVON, CT 06001 |
* | $ n/a | 1 | $ 155,000 |
| The People's Credit Union 858 WEST MAIN ROAD MIDDLETOWN, RI 02842 |
* | $ n/a | 1 | $ 75,000 |
| Farmers Insurance Federal Credit Union 4601 WILSHIRE BL. STE 110 BURBANK, CA 91504 |
* | $ n/a | 1 | $ 55,000 |
| Jet Direct Funding Corp. 111 WEST MAIN STREET SUITE 110 BAY SHORE, NY 11706 |
* | $ n/a | 1 | $ 105,000 |
| Cathay Bank 9650 FLAIR DRIVE LOS ANGELES, CA 90012 |
* | $ n/a | 1 | $ 205,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ n/a | 1 | $ 335,000 |
| Northern Credit Union 120 FACTORY ST WATERTOWN, NY 13601 |
* | $ n/a | 1 | $ 55,000 |
| Churchill Funding I LLC 3220 WILKINSON BLVD UNIT A4 CHARLOTTE, NC 28203 |
* | $ n/a | 1 | $ 295,000 |
| Corevestamericanfinancelenderllc 1920 MAIN ST #850 IRVINE, CA 92614 |
* | $ n/a | 1 | $ 105,000 |
| Pathfinder Bank 214 WEST 1ST STREET OSWEGO, NY 13126 |
* | $ n/a | 1 | $ 1,255,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ n/a | 1 | $ 115,000 |
| Hartford Funding, Ltd. 100 CROSSWAYS PARK DRIVE WEST SUITE 302 WOODBURY, NY 11797 |
* | $ n/a | 1 | $ 215,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 155,000 |
| Access Federal Credit Union 6 FRANKLIN AVE CLINTON, NY 13323 |
* | $ n/a | 1 | $ 105,000 |
| Metro City Bank 5114 BUFORD HIGHWAY DORAVILLE, GA 30340 |
* | $ n/a | 1 | $ 355,000 |
| Star One Credit Union PO BOX 3643 SUNNYVALE, CA 94088 |
* | $ n/a | 1 | $ 125,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ n/a | 1 | $ 125,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ n/a | 1 | $ 255,000 |
| Ballston Spa National Bank PO BOX 70 BALLSTON SPA, NY 12020 |
* | $ n/a | 1 | $ 195,000 |
| Geddes Federal Savings and Loan Association 2208 WEST GENESEE STREET SYRACUSE, NY 13219 |
* | $ n/a | 1 | $ 65,000 |
| William Raveis Mortgage, LLC 7 TRAP FALLS ROAD SHELTON, CT 06484 |
* | $ n/a | 1 | $ 245,000 |
| Delta Community Credit Union 3270 RIVERWOOD PKWY ATLANTA, GA 30339 |
* | $ n/a | 1 | $ 25,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ n/a | 1 | $ 105,000 |
| Lynx Mortgage Bank LLC 143 POST AVE WESTBURY, NY 11590 |
* | $ n/a | 1 | $ 125,000 |
| Leader Bank NA 141 MASSACHUSETTS AVENUE ARLINGTON, MA 02474 |
* | $ n/a | 1 | $ 345,000 |
| Unmb Home Loans Inc 3601 HEMPSTEAD TPK. SUITE 300 LEVITTOWN, NY 11756 |
* | $ n/a | 1 | $ 95,000 |
| Reliable Holdings Manager dba Lendz Financial 19790 W DIXIE HWY SUITE 104 MIAMI, FL 33180 |
* | $ n/a | 1 | $ 245,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 155,000 |
| First Alliance Home Mortgage, LLC 20 JACKSON DRIVE 2ND FLOOR CRANFORD, NJ 07016 |
* | $ n/a | 1 | $ 145,000 |
| Conventus Lending LLC 111 POTRERO AVE SAN FRANCISCO, CA 94104 |
* | $ n/a | 1 | $ 775,000 |
| Beehive Federal Credit Union PO BOX 40 REXBURG, ID 83440 |
* | $ n/a | 1 | $ 215,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ n/a | 1 | $ 225,000 |
| Wall Street Mortgage Bankers, Ltd. dba Power Expre 1010 NORTHERN BLVD., SUITE 336 GREAT NECK, NY 11021 |
* | $ n/a | 1 | $ 245,000 |
| The Farmers Bank & Savings Com 640 E MAIN ST POMEROY, OH 45769 |
* | $ n/a | 1 | $ 425,000 |
| Greenwood Credit Union 2669 POST ROAD WARWICK, RI 02886 |
* | $ n/a | 1 | $ 55,000 |
| East Coast Capital Corp. 25 MELVILLE PARK ROAD SUITE 200 MELVILLE, NY 11743 |
* | $ n/a | 1 | $ 185,000 |
| Bond Street Mortgage, LLC 115 WEST CENTURY ROAD PARAMUS, NJ 07652 |
* | $ n/a | 1 | $ 285,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ n/a | 1 | $ 755,000 |
| Emporium Tpo LLC FRISCO, TX 75034 |
* | $ n/a | 1 | $ 215,000 |
| Reliant Home Funding, Inc 445 BROADHOLLOW RD SUITE 334 MELVILLE, NY 11747 |
* | $ n/a | 1 | $ 335,000 |
| Walden Savings Bank 15 SCOTT'S CORNERS DRIVE, PO BOX 690 MONTGOMERY, NY 12549 |
* | $ n/a | 1 | $ 255,000 |
| Valon Mortgage 14647 S 50TH ST, STE A150 PHOENIX, AZ 85044 |
* | $ n/a | 1 | $ 115,000 |
| Amwest Funding Corp 6 POINTE DRIVE, SUITE 300 BREA, CA 92821 |
* | $ n/a | 1 | $ 205,000 |
The tables below break down 2025 mortgage applications in Binghamton, NY metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Binghamton, NY in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 3,207 | $625,995,000 | $195,000 | $11,925,000 | $110,000 | $2,272,000 |
| Home Improvement | 1,186 | $87,380,000 | $73,000 | $785,000 | $106,000 | $1,028,000 |
| Cash-out Refinancing | 968 | $144,430,000 | $149,000 | $4,235,000 | $97,000 | $3,609,000 |
| Other Purpose | 873 | $66,585,000 | $76,000 | $575,000 | $113,000 | $6,947,000 |
| Refinancing | 500 | $75,500,000 | $151,000 | $1,255,000 | $102,000 | $1,131,000 |
| Not Applicable | 25 | $1,675,000 | $67,000 | $145,000 | $56,000 | $56,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 4,450 | $602,550,000 | $135,000 | $845,000 | $108,000 | $6,947,000 |
| Not Provided | 689 | $101,065,000 | $146,000 | $1,105,000 | $111,000 | $1,227,000 |
| Not applicable | 672 | $145,930,000 | $217,000 | $11,925,000 | $93,000 | $291,000 |
| Asian | 430 | $74,570,000 | $173,000 | $805,000 | $116,000 | $1,200,000 |
| Black or African American | 250 | $37,020,000 | $148,000 | $605,000 | $87,000 | $625,000 |
| Hispanic | 233 | $35,385,000 | $151,000 | $755,000 | $96,000 | $850,000 |
| American Indian or Alaskan Native | 26 | $3,320,000 | $127,000 | $435,000 | $94,000 | $226,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,520,000 | $190,000 | $435,000 | $95,000 | $130,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 5,666 | $800,270,000 | $141,000 | $11,925,000 | $111,000 | $6,947,000 |
| FHA-insured (Federal Housing Administration) | 783 | $128,825,000 | $164,000 | $465,000 | $75,000 | $354,000 |
| VA-guaranteed (Veterans Administration) | 277 | $66,835,000 | $241,000 | $615,000 | $105,000 | $621,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 33 | $5,635,000 | $170,000 | $345,000 | $81,000 | $145,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 3,743 | $573,755,000 | $153,000 | $11,925,000 | $111,000 | $3,609,000 |
| Application Denied By Financial Institution | 1,215 | $137,445,000 | $113,000 | $1,105,000 | $89,000 | $6,947,000 |
| Application Withdrawn By Applicant | 719 | $114,015,000 | $158,000 | $775,000 | $116,000 | $2,272,000 |
| Loan Purchased By The Institution | 632 | $112,620,000 | $178,000 | $745,000 | $105,000 | $474,000 |
| File Closed For Incompleteness | 289 | $42,175,000 | $145,000 | $4,235,000 | $110,000 | $1,028,000 |
| Application Approved But Not Accepted | 154 | $20,410,000 | $132,000 | $555,000 | $95,000 | $631,000 |
| Preapproval Approved but not Accepted | 4 | $700,000 | $175,000 | $345,000 | $204,000 | $342,000 |
| Preapproval Denied by Financial Institution | 3 | $445,000 | $148,000 | $195,000 | $91,000 | $175,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 5,303 | $827,115,000 | $155,000 | $11,925,000 | $111,000 | $3,609,000 |
| Debt-To-Income Ratio | 595 | $81,405,000 | $136,000 | $1,255,000 | $80,000 | $804,000 |
| Credit History | 346 | $28,200,000 | $81,000 | $1,105,000 | $101,000 | $6,840,000 |
| Collateral | 203 | $27,155,000 | $133,000 | $505,000 | $143,000 | $6,947,000 |
| Other | 181 | $15,915,000 | $87,000 | $305,000 | $82,000 | $436,000 |
| Credit Application Incomplete | 68 | $11,180,000 | $164,000 | $845,000 | $81,000 | $205,000 |
| Unverifiable Information | 32 | $5,780,000 | $180,000 | $465,000 | $72,000 | $130,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 21 | $3,275,000 | $155,000 | $285,000 | $68,000 | $140,000 |
| Employment History | 9 | $1,415,000 | $157,000 | $325,000 | $47,000 | $100,000 |
| Mortgage Insurance Denied | 1 | $125,000 | $125,000 | $125,000 | $65,000 | $65,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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