Mortgage Lenders in Spencer, NY
2 mortgage lenders are based in Spencer, NY, listed below with the total mortgage applications each has reported under the Home Mortgage Disclosure Act since 2003. Just below are the lenders that made the most home loans in Tioga County, NY in 2025.
Most active mortgage lenders in Tioga County, NY (2025)
In 2025, 84 lenders made 821 home loans worth $120.7 million in Tioga County, according to Home Mortgage Disclosure Act (HMDA) data. These 10 made the most. The figures cover all of Tioga County, which includes Spencer.
| # | Lender | Loans made | Loan volume | Avg. loan | Share of loans |
|---|---|---|---|---|---|
| 1 | Visions Federal Credit Union Endicott, NY | 145 | $13.8M | $95,000 | 17.7% |
| 2 | Tioga State Bank, N.A. Spencer, NY | 82 | $10.7M | $130,000 | 10.0% |
| 3 | Homestead Funding Corp. Albany, NY | 59 | $13.8M | $234,000 | 7.2% |
| 4 | M&T Bank Buffalo, NY | 40 | $4.4M | $110,000 | 4.9% |
| 5 | Community Bank, N.A. Canton, NY | 34 | $5.2M | $153,000 | 4.1% |
| 6 | Tompkins Community Bank Ithaca, NY | 25 | $4.2M | $170,000 | 3.0% |
| 7 | Citizens & Northern Bank Wellsboro, PA | 24 | $2.3M | $96,000 | 2.9% |
| 8 | Broadview Federal Credit Union Albany, NY | 24 | $1.8M | $75,000 | 2.9% |
| 9 | Nbt Bank NA Norwich, NY | 21 | $2.5M | $119,000 | 2.6% |
| 10 | Chemung Canal Trust Company Elmira, NY | 18 | $2.0M | $111,000 | 2.2% |
See every lender in Tioga County and its 2025 mortgage data · top lenders in New York · the top 100 lenders nationwide
Mortgage Lender List and Loan Application Totals
for Lenders in Spencer, NY
| Mortgage Company | Phone Number | Mortgage Application Count | Mortgage Application Amount |
|---|---|---|---|
| Tioga State Bank
PO BOX 386 SPENCER, NY 14883 |
* | 8,322 | $784,984,000 |
| Tioga State Bank, N.A.
PO BOX 386 SPENCER, NY 14883 |
* | 1,267 | $235,965,000 |
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