Chenango County, NY Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 1,297 mortgage applications in Chenango County, NY totaling $167.3 million, up 23% from 2024. The average application was for $128,000, and applicants reported an average income of $95,000. 54% of applications resulted in an originated loan and 22% were denied. The most active lender was Sidney Federal Credit Union, with 217 applications, followed by Nbt Bank NA and Visions Federal Credit Union.

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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 1,297
Total Mortgage Loan Application Amount $167,305,000
Average Mortgage Loan Application Amount $128,000
Highest Mortgage Loan Application Amount $3,605,000
Average Applicant Income $95,000
Highest Applicant Income $600,000

Mortgage Company List for Lending in Chenango County, NY for 2025

* 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
Sidney Federal Credit Union
42 UNION STREET
SIDNEY, NY 13838
* $ n/a 217 $ 19,475,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ n/a 189 $ 19,215,000
Visions Federal Credit Union
3301 COUNTRY CLUB ROAD
ENDICOTT, NY 13760
* $ n/a 83 $ 8,715,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ n/a 65 $ 9,305,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 48 $ 5,830,000
Ghs Federal Credit Union
910 FRONT STREET BINGHAMTON NY 13905
BINGHAMTON, NY 13905
* $ n/a 38 $ 2,570,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 36 $ 4,450,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 35 $ 6,105,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 30 $ 2,650,000
1st Priority Mortgage, Inc.
6000 SHERIDAN DRIVE
WILLIAMSVILLE, NY 14221
* $ n/a 24 $ 3,450,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 23 $ 3,715,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 21 $ 3,005,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ n/a 21 $ 3,705,000
Americu Credit Union
1916 BLACK RIVER BLVD.
ROME, NY 13440
* $ n/a 17 $ 2,255,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 16 $ 2,850,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 15 $ 2,055,000
Premium Mortgage Corporation
2541 MONROE AVE
ROCHESTER, NY 14618
* $ n/a 15 $ 3,065,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 14 $ 3,530,000
Farm Credit East Aca
240 SOUTH ROAD
ENFIELD, CT 06082
* $ n/a 13 $ 2,625,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 13 $ 2,115,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 10 $ 700,000
Genesee Regional Bank
1850 SOUTH WINTON ROAD
ROCHESTER, NY 14618
* $ n/a 9 $ 1,255,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 9 $ 1,275,000
Tioga State Bank, N.A.
PO BOX 386
SPENCER, NY 14883
* $ n/a 9 $ 5,145,000
Broadview Federal Credit Union
700 PATROON CREEK BLVD
ALBANY, NY 12206
* $ n/a 8 $ 540,000
Empower Federal Credit Union
1 MEMBER WAY
SYRACUSE, NY 13212
* $ n/a 8 $ 560,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 8 $ 1,350,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 8 $ 1,310,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 8 $ 730,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 6 $ 740,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 6 $ 1,040,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 6 $ 530,000
Absolute Home Mortgage
330 PASSAIC AVENUE
FAIRFIELD, NJ 07004
* $ n/a 5 $ 955,000
Wayne Bank
717 MAIN STREET
HONESDALE, PA 18431
* $ n/a 5 $ 1,105,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ n/a 5 $ 825,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 4 $ 860,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ n/a 4 $ 850,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 4 $ 960,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ n/a 4 $ 440,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ n/a 4 $ 360,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ n/a 4 $ 540,000
Tompkins Community Bank
THE COMMONS
ITHACA, NY 14850
* $ n/a 4 $ 1,000,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 3 $ 505,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 3 $ 445,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ n/a 3 $ 395,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 3 $ 545,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 3 $ 605,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 3 $ 485,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 2 $ 690,000
The Summit Federal Credit Union
100 MARINA DRIVE
ROCHESTER, NY 14626
* $ n/a 2 $ 190,000
Beginnings Credit Union
1030 CRAFT ROAD
ITHACA, NY 14850
* $ n/a 2 $ 70,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 2 $ 230,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 2 $ 490,000
Ownerschoice Funding, Inc.
1021 WATERVLIET-SHAKER ROAD
ALBANY, NY 12203
* $ n/a 2 $ 340,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 2 $ 250,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ n/a 2 $ 450,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 2 $ 90,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 2 $ 330,000
Foundation Mortgage Corporation
1680 MICHIGAN AVE SUITE 700
MIAMI BEACH, FL 33139
* $ n/a 2 $ 210,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 2 $ 360,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 2 $ 540,000
ESL Federal Credit Union
225 CHESTNUT STREET
ROCHESTER, NY 14604
* $ n/a 2 $ 300,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ n/a 2 $ 110,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 2 $ 130,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 2 $ 320,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 2 $ 210,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ n/a 2 $ 460,000
Lyons National Bank
35 WILLIAM STREET
LYONS, NY 14489
* $ n/a 1 $ 125,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 1 $ 45,000
Hometown Funding, Inc. D/B/A Cnb Mortgage Company
63 A MONROE AVENUE
PITTSFORD, NY 14534
* $ n/a 1 $ 145,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 1 $ 135,000
Webster Bank, N.A.
145 BANK STREET
STAMFORD, CT 06901
* $ n/a 1 $ 315,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 1 $ 115,000
Canandaigua National Bank & Trust
72 SOUTH MAIN ST
CANANDAIGUA, NY 14424
* $ n/a 1 $ 145,000
Sunmark Credit Union
1187 TROY SCHENECTADY ROAD
LATHAM, NY 12110
* $ n/a 1 $ 145,000
Interstate Home Loan Center, Inc.
40 MARCUS DRIVE SUITE 100
MELVILLE, NY 11747
* $ n/a 1 $ 135,000
Logan Finance Corporation
1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE
HAUPPAUGE, NY 11788
* $ n/a 1 $ 135,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ n/a 1 $ 85,000
Family First of Ny FCU
2520 BROWNCROFT BLVD
ROCHESTER, NY 14625
* $ n/a 1 $ 545,000
First Source Federal Credit Un
4451 COMMERCIAL DRIVE
NEW HARTFORD, NY 13413
* $ n/a 1 $ 45,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 1 $ 165,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ n/a 1 $ 125,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 1 $ 235,000
East Coast Capital Corp.
25 MELVILLE PARK ROAD SUITE 200
MELVILLE, NY 11743
* $ n/a 1 $ 115,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ n/a 1 $ 55,000
Syracuse Fire Department Empl FCU
211 WILKINSON ST
SYRACUSE, NY 13204
* $ n/a 1 $ 65,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ n/a 1 $ 255,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ n/a 1 $ 105,000
First Premier Bank
400 S SYCAMORE AVE, SUITE 101
SIOUX FALLS, SD 57104
* $ n/a 1 $ 155,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ n/a 1 $ 85,000
Hudson Valley Credit Union
PO BOX 1071
POUGHKEEPSIE, NY 12602
* $ n/a 1 $ 75,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 1 $ 95,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 1 $ 205,000
Evergreen Bank Group
1515 22ND ST # 100
OAK BROOK, IL 60523
* $ n/a 1 $ 65,000
Berkshire Bank

ALBANY, NY 12207
* $ n/a 1 $ 45,000
Nj Lenders Corp
219 PATERSON AVE
LITTLE FALLS, NJ 07424
* $ n/a 1 $ 225,000
Geddes Federal Savings and Loan Association
2208 WEST GENESEE STREET
SYRACUSE, NY 13219
* $ n/a 1 $ 65,000
Total Mortgage Services, LLC
185 PLAINS ROAD
MILFORD, CT 06461
* $ n/a 1 $ 95,000
Chemung Canal Trust Company
ONE CHEMUNG CANAL PLAZA
ELMIRA, NY 14901
* $ n/a 1 $ 65,000
Summit Mortgage Bankers, Inc.
3660 MAIN STREET, 3RD FLOOR
FLUSHING, NY 11354
* $ n/a 1 $ 135,000
Greenwood Credit Union
2669 POST ROAD
WARWICK, RI 02886
* $ n/a 1 $ 65,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 1 $ 215,000
Pathfinder Bank
214 WEST 1ST STREET
OSWEGO, NY 13126
* $ n/a 1 $ 185,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 1 $ 125,000
Hartford Funding, Ltd.
100 CROSSWAYS PARK DRIVE WEST SUITE 302
WOODBURY, NY 11797
* $ n/a 1 $ 85,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 1 $ 185,000
Northcountry Federal Credit Union
PO BOX 64709
BURLINGTON, VT 05406
* $ n/a 1 $ 65,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ n/a 1 $ 25,000
Patriot One Mortgage Bankers
142 WILLIS AVE
MINEOLA, NY 11501
* $ n/a 1 $ 265,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 1 $ 225,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 1 $ 125,000
Bpl Mortgage, LLC

OAKBROOK TERRACE, IL 60181
* $ n/a 1 $ 95,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 1 $ 75,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 1 $ 135,000

The tables below break down 2025 mortgage applications in Chenango County, NY by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Chenango County, 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 612 $102,640,000 $167,000 $3,605,000 $96,000 $600,000
Home Improvement 199 $12,565,000 $63,000 $295,000 $101,000 $490,000
Cash-out Refinancing 186 $24,680,000 $132,000 $695,000 $89,000 $324,000
Other Purpose 186 $13,440,000 $72,000 $325,000 $94,000 $519,000
Refinancing 106 $13,420,000 $126,000 $485,000 $84,000 $305,000
Not Applicable 8 $560,000 $70,000 $115,000 $74,000 $74,000

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 1,033 $128,585,000 $124,000 $695,000 $95,000 $600,000
Not Provided 104 $11,680,000 $112,000 $605,000 $93,000 $273,000
Not applicable 99 $19,795,000 $199,000 $3,605,000 $117,000 $207,000
Hispanic 29 $3,265,000 $112,000 $435,000 $75,000 $159,000
Asian 13 $2,155,000 $165,000 $505,000 $105,000 $281,000
Black or African American 12 $1,360,000 $113,000 $275,000 $97,000 $200,000
American Indian or Alaskan Native 6 $310,000 $51,000 $85,000 $89,000 $209,000
Native Hawaiian or Other Pacific Islander 1 $155,000 $155,000 $155,000 $186,000 $186,000

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) 1,038 $121,710,000 $117,000 $3,605,000 $97,000 $600,000
FHA-insured (Federal Housing Administration) 180 $27,060,000 $150,000 $435,000 $78,000 $266,000
VA-guaranteed (Veterans Administration) 63 $15,645,000 $248,000 $695,000 $100,000 $519,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 16 $2,890,000 $180,000 $295,000 $71,000 $112,000

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 697 $92,295,000 $132,000 $3,605,000 $99,000 $490,000
Application Denied By Financial Institution 281 $29,725,000 $105,000 $695,000 $83,000 $519,000
Application Withdrawn By Applicant 130 $18,200,000 $140,000 $655,000 $97,000 $600,000
Loan Purchased By The Institution 85 $13,165,000 $154,000 $435,000 $117,000 $354,000
File Closed For Incompleteness 72 $9,830,000 $136,000 $485,000 $96,000 $399,000
Application Approved But Not Accepted 28 $3,490,000 $124,000 $595,000 $78,000 $163,000
Preapproval Approved but not Accepted 4 $600,000 $150,000 $195,000 $76,000 $138,000
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

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 940 $126,800,000 $134,000 $655,000 $97,000 $600,000
Debt-To-Income Ratio 159 $17,855,000 $112,000 $3,605,000 $83,000 $258,000
Credit History 81 $6,755,000 $83,000 $435,000 $83,000 $220,000
Collateral 58 $7,740,000 $133,000 $695,000 $97,000 $370,000
Other 31 $3,485,000 $112,000 $425,000 $116,000 $519,000
Credit Application Incomplete 17 $2,855,000 $167,000 $435,000 $91,000 $256,000
Insufficient Cash (Downpayment, Closing Cost) 5 $715,000 $143,000 $255,000 $108,000 $221,000
Unverifiable Information 4 $590,000 $147,000 $195,000 $54,000 $73,000
Employment History 2 $510,000 $255,000 $315,000 $110,000 $170,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

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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