Elmira, NY Metro Area Mortgage Lenders & HMDA Data, 2015

In 2015, lenders reported 2,726 mortgage applications in Elmira, NY metro area totaling $239.7 million, up 2% from 2014. The average application was for $87,931, and applicants reported an average income of $67,000. 68% of applications resulted in an originated loan and 15% were denied. The most active lender was Elmira Savings Bank, with 491 applications, followed by Corning Credit Union and Chemung Canal Trust Company.

Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in New York.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 2,726
Total Mortgage Loan Application Amount $239,701,000
Average Mortgage Loan Application Amount $87,931
Highest Mortgage Loan Application Amount $13,019,000
Average Applicant Income $67,000
Highest Applicant Income $882,000

Mortgage Company List for Lending in Elmira, NY for 2015

* 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
Elmira Savings Bank
333 E WATER ST
ELMIRA, NY 14901
* $ 546,032,000 491 $ 37,153,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ 1,092,656,000 388 $ 37,923,000
Chemung Canal Trust Company
ONE CHEMUNG CANAL PLAZA
ELMIRA, NY 14901
* $ 1,522,955,000 340 $ 17,445,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 7,461,279,000 143 $ 8,825,000
First Heritage Federal Credit Union
110 VILLAGE SQUARE, SUITE 101
CORNING, NY 14830
* $ 401,327,000 135 $ 7,388,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,532,784,000,000 126 $ 13,819,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 117 $ 12,963,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ 10,000,000 97 $ 10,948,000
Visions Federal Credit Union
3301 COUNTRY CLUB ROAD
ENDICOTT, NY 13760
* $ 3,393,007,000 90 $ 8,604,000
Empower Federal Credit Union
1 MEMBER WAY
SYRACUSE, NY 13212
* $ 1,291,549,000 56 $ 1,661,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 55 $ 6,984,000
Five Star Bank
55 NORTH MAIN ST
WARSAW, NY 14569
* $ 3,065,109,000 54 $ 3,461,000
Servu Federal Credit Union
9823 SCIENCE CENTER DRIVE
PAINTED POST, NY 14870
* $ 251,978,000 43 $ 1,456,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 34 $ 3,339,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 95,920,564,000 30 $ 2,741,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 29 $ 1,466,000
Tioga State Bank
PO BOX 386
SPENCER, NY 14883
* $ 396,558,000 25 $ 1,510,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 23 $ 3,071,000
1st Priority Mortgage, Inc.
6000 SHERIDAN DRIVE
WILLIAMSVILLE, NY 14221
* $ 10,000,000 22 $ 2,267,000
Citizens & Northern Bank
PO BOX 58, ADMINISTRATION BUILDING
WELLSBORO, PA 16901
* $ 1,228,210,000 20 $ 2,415,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 15 $ 1,872,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 13 $ 1,165,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 63,635,411,000 12 $ 1,102,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 67,301,894,000 12 $ 1,779,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,074,981,000,000 12 $ 1,171,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,574,093,000,000 12 $ 1,620,000
Finance of America Commercial LLC
6230 FAIRVIEW ROAD, SUITE 300
CHARLOTTE, NC 28210
* $ 214,531,000 11 $ 297,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 10 $ 782,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 21,610,491,000 9 $ 761,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 8 $ 584,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 185,888,583,000 8 $ 95,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 255,011,219,000 8 $ 656,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 7 $ 777,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 6 $ 383,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 6 $ 1,014,000
Beginnings Credit Union
1030 CRAFT ROAD
ITHACA, NY 14850
* $ 909,050,000 6 $ 885,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,781,238,000 6 $ 271,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 6 $ 891,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,761,042,000 5 $ 480,000
Paragon Home Loans, Inc.

LIVERPOOL, NY 13088
* $ 10,000,000 5 $ 724,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,727,490,000 5 $ 487,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 7,726,299,000 4 $ 672,000
Flagstar Bank
5151 CORPORATE DRIVE
TROY, MI 48098
* $ 9,779,461,000 4 $ 671,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 4 $ 714,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 4 $ 445,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 9,910,776,000 4 $ 352,000
First Niagara Bank
726 EXCHANGE STREET SUITE 618
BUFFALO, NY 14210
* $ 38,494,804,000 3 $ 138,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 83,125,845,000 3 $ 557,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 102,971,333,000 3 $ 301,000
ESL Federal Credit Union
225 CHESTNUT STREET
ROCHESTER, NY 14604
* $ 5,015,805,000 3 $ 237,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,356,442,000,000 3 $ 309,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 3 $ 317,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 321,539,000 3 $ 607,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 214,371,000 3 $ 70,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 3 $ 240,000
Mld Mortgage, Inc.Dba the Money Store
30 B VREELAND ROAD
FLORHAM PARK, NJ 07932
* $ 11,886,522,000 3 $ 335,000
Ownerschoice Funding, Inc.
1021 WATERVLIET-SHAKER ROAD
ALBANY, NY 12203
* $ 10,000,000 3 $ 329,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,071,910,000 3 $ 462,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 447,877,000 3 $ 513,000
Alternatives Federal Credit Union
125 N FULTON ST
ITHACA, NY 14850
* $ 89,758,000 2 $ 147,000
Ps Bank
42621 ROUTE 6
WYALUSING, PA 18853
* $ 299,163,000 2 $ 209,000
Generations Bank
20 EAST BAYARD STREET
SENECA FALLS, NY 13148
* $ 278,402,000 2 $ 262,000
Genesee Regional Bank
1850 SOUTH WINTON ROAD
ROCHESTER, NY 14618
* $ 415,140,000 2 $ 213,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 2 $ 371,000
Tiaa-Cref Trust Company FSB
211 NORTH BROADWAY, STE 1000
ST. LOUIS, MO 63102
* $ 2,458,381,000 2 $ 270,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 2 $ 116,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ 31,000,000 2 $ 563,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 91,782,513,000 2 $ 50,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 178,676,927,000 2 $ 116,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ 7,800,433,000 2 $ 170,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 2 $ 118,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 185,888,583,000 2 $ 345,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 27,356,000,000 2 $ 178,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,808,214,000 2 $ 47,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 335,060,015,000 1 $ 13,019,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 1 $ 1,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 104,474,692,000 1 $ 79,000
Northrop Grumman Federal Credit Union
879 W 190TH ST 8TH FLOOR
GARDENA, CA 90248
* $ 966,271,000 1 $ 75,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 4,519,923,000 1 $ 60,000
Rbc Bank (Georgia), N.A.
8081 ARCO CORPORATE DRIVE
RALEIGH, NC 27617
* $ 3,067,332,000 1 $ 119,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 118,801,412,000 1 $ 125,000
Corporate America Family CU
2445 ALFT LANE
ELGIN, IL 60123
* $ 576,896,000 1 $ 100,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 38,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 1 $ 3,000
Nationwide Bank
ONE NATIONWIDE PLAZA
COLUMBUS, OH 43215
* $ 6,265,793,000 1 $ 140,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 395,549,000 1 $ 124,000
Tompkins Community Bank
THE COMMONS
ITHACA, NY 14850
* $ 1,682,253,000 1 $ 45,000
Semper Home Loans, Inc
225 DUPONT DRIVE
PROVIDENCE, RI 02907
* $ 3,295,000 1 $ 141,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 140,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 1 $ 190,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 294,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ 10,000,000 1 $ 127,000
Steuben Trust Company
ONE STEUBEN SQUARE
HORNELL, NY 14843
* $ 474,949,000 1 $ 96,000
Commonfund Mortgage Corp.
717 ERIE BOULEVARD WEST
SYRACUSE, NY 13204
* $ 10,000,000 1 $ 109,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 87,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 252,000
First National Acceptance Company
241 EAST SAGINAW/P.O. BOX 980
EAST LANSING, MI 48826
* $ 10,498,000 1 $ 32,000
Numark Credit Union
1654 TERRY DR; P O BOX 2729
JOLIET, IL 60434
* $ 202,275,000 1 $ 47,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,281,397,000 1 $ 183,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 5,967,941,000 1 $ 11,000
Xceed Financial
888 N. NASH ST
EL SEGUNDO, CA 90245
* $ 932,414,000 1 $ 181,000
Port Byron State Bank
124 N MAIN ST
PORT BYRON, IL 61275
* $ 74,791,000 1 $ 46,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ 10,000,000 1 $ 109,000
Ccfcu Funding, LLC
4 WINNERS CIRCLE
ALBANY, NY 12205
* $ 797,777,000 1 $ 62,000

The tables below break down 2015 mortgage applications in Elmira, 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 Elmira, NY in 2015

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 1,098 $124,062,000 $112,000 $480,000 $66,000 $730,000
Refinancing 844 $82,373,000 $97,000 $1,915,000 $70,000 $700,000
Home Improvement 784 $33,266,000 $42,000 $13,019,000 $64,000 $882,000

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 2,239 $173,821,000 $77,000 $500,000 $68,000 $840,000
Not Provided 197 $20,229,000 $102,000 $417,000 $80,000 $460,000
Not applicable 155 $31,362,000 $202,000 $13,019,000 $5,000 $306,000
Black or African American 58 $4,047,000 $69,000 $277,000 $58,000 $183,000
Asian 36 $5,798,000 $161,000 $460,000 $126,000 $730,000
Hispanic 32 $3,748,000 $117,000 $480,000 $111,000 $882,000
American Indian or Alaskan Native 7 $536,000 $76,000 $305,000 $72,000 $206,000
Native Hawaiian or Other Pacific Islander 2 $160,000 $80,000 $123,000 $45,000 $64,000

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) 2,052 $167,779,000 $81,000 $13,019,000 $74,000 $882,000
FHA-insured (Federal Housing Administration) 457 $44,217,000 $96,000 $244,000 $41,000 $174,000
VA-guaranteed (Veterans Administration) 172 $23,082,000 $134,000 $333,000 $53,000 $300,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 45 $4,623,000 $102,000 $165,000 $34,000 $75,000

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 1,844 $163,573,000 $88,000 $13,019,000 $74,000 $730,000
Application Denied By Financial Institution 401 $27,894,000 $69,000 $1,915,000 $53,000 $882,000
Loan Purchased By The Institution 190 $20,035,000 $105,000 $351,000 $19,000 $306,000
Application Withdrawn By Applicant 164 $16,694,000 $101,000 $400,000 $71,000 $460,000
Application Approved But Not Accepted 86 $7,357,000 $85,000 $294,000 $65,000 $187,000
File Closed For Incompleteness 41 $4,148,000 $101,000 $264,000 $66,000 $239,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
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
Credit History 110 $3,470,000 $31,000 $190,000 $53,000 $882,000
Debt-To-Income Ratio 67 $4,607,000 $68,000 $296,000 $42,000 $165,000
Collateral 54 $4,374,000 $81,000 $241,000 $67,000 $400,000
Other 23 $3,027,000 $131,000 $1,915,000 $40,000 $98,000
Credit Application Incomplete 14 $1,297,000 $92,000 $155,000 $51,000 $109,000
Employment History 7 $467,000 $66,000 $177,000 $44,000 $70,000
Mortgage Insurance Denied 5 $367,000 $73,000 $107,000 $50,000 $83,000
Insufficient Cash (Downpayment, Closing Cost) 4 $462,000 $115,000 $225,000 $88,000 $216,000
Unverifiable Information 3 $64,000 $21,000 $38,000 $33,000 $49,000

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.

Download the New York Lender List