Tioga County, NY Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 1,394 mortgage applications in Tioga County, NY totaling $202.8 million, up 15% from 2024. The average application was for $145,000, and applicants reported an average income of $101,000. 59% of applications resulted in an originated loan and 17% were denied. The most active lender was Visions Federal Credit Union, with 250 applications, followed by Tioga State Bank, N.A. and Homestead Funding Corp..

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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 1,394
Total Mortgage Loan Application Amount $202,820,000
Average Mortgage Loan Application Amount $145,000
Highest Mortgage Loan Application Amount $615,000
Average Applicant Income $101,000
Highest Applicant Income $746,000

Mortgage Company List for Lending in Tioga 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
Visions Federal Credit Union
3301 COUNTRY CLUB ROAD
ENDICOTT, NY 13760
* $ n/a 250 $ 25,190,000
Tioga State Bank, N.A.
PO BOX 386
SPENCER, NY 14883
* $ n/a 96 $ 12,390,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ n/a 66 $ 15,310,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 64 $ 6,740,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 49 $ 5,945,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 48 $ 8,800,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ n/a 46 $ 6,780,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 43 $ 7,185,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 38 $ 7,290,000
Citizens & Northern Bank
PO BOX 58, ADMINISTRATION BUILDING
WELLSBORO, PA 16901
* $ n/a 37 $ 3,795,000
Empower Federal Credit Union
1 MEMBER WAY
SYRACUSE, NY 13212
* $ n/a 30 $ 2,540,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ n/a 29 $ 2,895,000
Tompkins Community Bank
THE COMMONS
ITHACA, NY 14850
* $ n/a 28 $ 4,540,000
Broadview Federal Credit Union
700 PATROON CREEK BLVD
ALBANY, NY 12206
* $ n/a 27 $ 2,085,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 25 $ 4,385,000
Chemung Canal Trust Company
ONE CHEMUNG CANAL PLAZA
ELMIRA, NY 14901
* $ n/a 23 $ 2,765,000
1st Priority Mortgage, Inc.
6000 SHERIDAN DRIVE
WILLIAMSVILLE, NY 14221
* $ n/a 19 $ 4,035,000
Ingersoll-Rand Federal Credit Union
199 N MAIN STREET
ATHENS, PA 18810
* $ n/a 16 $ 2,140,000
Sefcu Services, LLC
700 PATROON CREEK BLVD SUITE 301
ALBANY, NY 12205
* $ n/a 14 $ 2,470,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ n/a 14 $ 2,200,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 14 $ 2,830,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 13 $ 1,455,000
Beginnings Credit Union
1030 CRAFT ROAD
ITHACA, NY 14850
* $ n/a 13 $ 2,025,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ n/a 11 $ 1,595,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 11 $ 1,605,000
Sidney Federal Credit Union
42 UNION STREET
SIDNEY, NY 13838
* $ n/a 11 $ 2,225,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 10 $ 1,700,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ n/a 9 $ 1,695,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 9 $ 1,675,000
Premium Mortgage Corporation
2541 MONROE AVE
ROCHESTER, NY 14618
* $ n/a 9 $ 1,485,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 9 $ 795,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 9 $ 2,045,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 9 $ 2,455,000
Ps Bank
42621 ROUTE 6
WYALUSING, PA 18853
* $ n/a 8 $ 670,000
Absolute Home Mortgage
330 PASSAIC AVENUE
FAIRFIELD, NJ 07004
* $ n/a 8 $ 1,250,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ n/a 8 $ 1,500,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 7 $ 745,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 7 $ 1,585,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 7 $ 1,265,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 6 $ 580,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 6 $ 540,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 5 $ 705,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 5 $ 565,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ n/a 5 $ 845,000
First National Bank of Dryden
7 WEST MAIN ST
DRYDEN, NY 13053
* $ n/a 5 $ 645,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 4 $ 440,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 4 $ 720,000
Alternatives Federal Credit Union
125 N FULTON ST
ITHACA, NY 14850
* $ n/a 4 $ 630,000
Bpl Mortgage, LLC

OAKBROOK TERRACE, IL 60181
* $ n/a 4 $ 460,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 4 $ 1,560,000
Ghs Federal Credit Union
910 FRONT STREET BINGHAMTON NY 13905
BINGHAMTON, NY 13905
* $ n/a 4 $ 440,000
Americu Credit Union
1916 BLACK RIVER BLVD.
ROME, NY 13440
* $ n/a 4 $ 570,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 4 $ 480,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 4 $ 980,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 3 $ 495,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 3 $ 75,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 3 $ 365,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 3 $ 345,000
Temple View Capital Funding LP
7550 WISCONSIN AVE STE 1000
BETHESDA, MD 20814
* $ n/a 3 $ 435,000
First Citizens Community Bank
15 S. MAIN STREET
MANSFIELD, PA 16933
* $ n/a 3 $ 805,000
Farm Credit East Aca
240 SOUTH ROAD
ENFIELD, CT 06082
* $ n/a 3 $ 625,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ n/a 3 $ 405,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 3 $ 595,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ n/a 3 $ 745,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 2 $ 390,000
Lyons National Bank
35 WILLIAM STREET
LYONS, NY 14489
* $ n/a 2 $ 340,000
First Heritage Federal Credit Union
110 VILLAGE SQUARE, SUITE 101
CORNING, NY 14830
* $ n/a 2 $ 410,000
Five Star Bank
55 NORTH MAIN ST
WARSAW, NY 14569
* $ n/a 2 $ 260,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 2 $ 340,000
Pike Creek Mortgage Services, Inc.
2100 DRUMMOND PLAZA
NEWARK, DE 19711
* $ n/a 2 $ 260,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 2 $ 310,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 2 $ 420,000
Champions Funding, LLC
365 E GERMANN RD #140
GILBERT, AZ 85297
* $ n/a 2 $ 310,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ n/a 2 $ 160,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 2 $ 340,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 2 $ 550,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 2 $ 80,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ n/a 2 $ 560,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 1 $ 265,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ n/a 1 $ 245,000
Beehive Federal Credit Union
PO BOX 40
REXBURG, ID 83440
* $ n/a 1 $ 215,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 1 $ 65,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ n/a 1 $ 205,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ n/a 1 $ 255,000
Geddes Federal Savings and Loan Association
2208 WEST GENESEE STREET
SYRACUSE, NY 13219
* $ n/a 1 $ 65,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ n/a 1 $ 265,000
Ally Bank

CHARLOTTE, NC 28202
* $ n/a 1 $ 225,000
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
Guidance Residential, LLC
11107 SUNSET HILLS ROAD, STES 100 & 200
RESTON, VA 20190
* $ n/a 1 $ 325,000
The People's Credit Union
858 WEST MAIN ROAD
MIDDLETOWN, RI 02842
* $ n/a 1 $ 75,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ n/a 1 $ 195,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ n/a 1 $ 55,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 1 $ 395,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ n/a 1 $ 185,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 1 $ 155,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 1 $ 265,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 1 $ 345,000
Ulster Savings Bank
180 SCHWENK DRIVE
KINGSTON, NY 12401
* $ n/a 1 $ 355,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 1 $ 185,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ n/a 1 $ 305,000
Northrop Grumman Federal Credit Union
879 W 190TH ST 8TH FLOOR
GARDENA, CA 90248
* $ n/a 1 $ 155,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 1 $ 145,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ n/a 1 $ 305,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 1 $ 205,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ n/a 1 $ 305,000
The First National Bank of Groton
161 MAIN STREET
GROTON, NY 13073
* $ n/a 1 $ 305,000
United Mortgage Corp.
25 MELVILLE PARK ROAD
MELVILLE, NY 11747
* $ n/a 1 $ 335,000
Mid-Island Mortgage Corp.
900 MERCHANTS CONCOURSE, SUITE #112
WESTBURY, NY 11590
* $ n/a 1 $ 195,000
Wayne Bank
717 MAIN STREET
HONESDALE, PA 18431
* $ n/a 1 $ 105,000
Leader Bank NA
141 MASSACHUSETTS AVENUE
ARLINGTON, MA 02474
* $ n/a 1 $ 345,000
The Freedom Bank of Virginia
10555 MAIN STREET
FAIRFAX, VA 22030
* $ n/a 1 $ 315,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 1 $ 225,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 1 $ 75,000

The tables below break down 2025 mortgage applications in Tioga 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 Tioga 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 689 $129,645,000 $188,000 $615,000 $100,000 $746,000
Home Improvement 223 $16,625,000 $74,000 $275,000 $105,000 $310,000
Cash-out Refinancing 184 $24,880,000 $135,000 $415,000 $95,000 $365,000
Other Purpose 171 $12,655,000 $74,000 $385,000 $100,000 $585,000
Refinancing 121 $18,735,000 $154,000 $615,000 $105,000 $520,000
Not Applicable 6 $280,000 $46,000 $75,000 $0 $0

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 1,086 $154,190,000 $141,000 $615,000 $102,000 $746,000
Not Provided 121 $16,765,000 $138,000 $445,000 $102,000 $520,000
Not applicable 110 $18,140,000 $164,000 $355,000 $116,000 $209,000
Hispanic 39 $6,745,000 $172,000 $505,000 $81,000 $152,000
Asian 19 $3,435,000 $180,000 $375,000 $93,000 $250,000
Black or African American 15 $2,805,000 $187,000 $285,000 $60,000 $139,000
American Indian or Alaskan Native 3 $425,000 $141,000 $175,000 $88,000 $123,000
Native Hawaiian or Other Pacific Islander 1 $315,000 $315,000 $315,000 $95,000 $95,000

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) 1,139 $153,505,000 $134,000 $605,000 $103,000 $746,000
FHA-insured (Federal Housing Administration) 167 $28,885,000 $172,000 $465,000 $81,000 $207,000
VA-guaranteed (Veterans Administration) 67 $16,995,000 $253,000 $615,000 $95,000 $200,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 21 $3,435,000 $163,000 $205,000 $74,000 $101,000

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 821 $120,725,000 $147,000 $615,000 $107,000 $473,000
Application Denied By Financial Institution 243 $28,215,000 $116,000 $465,000 $74,000 $585,000
Application Withdrawn By Applicant 121 $20,375,000 $168,000 $515,000 $110,000 $746,000
Loan Purchased By The Institution 120 $23,040,000 $192,000 $435,000 $123,000 $316,000
File Closed For Incompleteness 65 $7,175,000 $110,000 $305,000 $94,000 $305,000
Application Approved But Not Accepted 24 $3,290,000 $137,000 $505,000 $94,000 $181,000
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
Not applicable 1,046 $161,420,000 $154,000 $615,000 $107,000 $746,000
Debt-To-Income Ratio 174 $22,260,000 $127,000 $465,000 $84,000 $250,000
Credit History 76 $6,770,000 $89,000 $345,000 $79,000 $520,000
Collateral 52 $6,480,000 $124,000 $385,000 $96,000 $585,000
Other 25 $2,245,000 $89,000 $265,000 $66,000 $228,000
Credit Application Incomplete 18 $3,180,000 $176,000 $325,000 $71,000 $205,000
Insufficient Cash (Downpayment, Closing Cost) 3 $465,000 $155,000 $225,000 $92,000 $140,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0
Employment History 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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